Summersville, MO
Summersville wildfire risk explained
Summersville's 454 buildings earn a 80th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summersville at the 82nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Summersville's building exposure, zone by zone
63.4% of Summersville's 454 buildings sit in USFS's Direct exposure zone, roughly 288 structures close enough to burnable vegetation for flame contact, not just embers — 36.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Summersville against the rest of the country
Summersville's 96th-percentile standing inside Missouri outpaces its 80th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Summersville ranks 6,467 for wildfire risk (1 is highest) and 18,191 by building count (1 is largest). Within Missouri alone, it ranks 41 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Summersville
At the 80th percentile nationally, Summersville carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Summersville (63.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Summersville's figures come from
Every one of the two percentiles behind Summersville's 6,467-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Summersville's dominant direct exposure actually means, with real examples from across the dataset.