Sumner, MO
Sumner wildfire risk explained
USFS scores Sumner at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 170 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sumner at the 58th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Sumner's building exposure, zone by zone
Most of Sumner's buildings (77.1% of 170) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Sumner compares
Sumner scores 57th nationally and 48th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Sumner ranks 13,496 for wildfire risk (1 is highest) and 26,032 by building count (1 is largest). Within Missouri alone, it ranks 556 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Sumner's elevated wildfire rating (57th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 77.1% of Sumner outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Sumner's figures come from
Sumner's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Sumner's dominant minimal exposure actually means, with real examples from across the dataset.