Sunrise Beach, MO
Sunrise Beach, MO's wildfire risk, in USFS's own numbers
USFS scores Sunrise Beach at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 579 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sunrise Beach at the 78th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Sunrise Beach's buildings actually sit
Direct exposure dominates in Sunrise Beach: 69.8% of its 579 buildings, versus 15.2% Indirect and 15% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Sunrise Beach against the rest of the country
Within Missouri, Sunrise Beach ranks higher (92nd percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Sunrise Beach ranks 7,599 for wildfire risk (1 is highest) and 16,117 by building count (1 is largest). Within Missouri alone, it ranks 85 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
Sunrise Beach's high rating (76th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Sunrise Beach's 69.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 579 counted buildings into the percentiles shown above for Sunrise Beach. For more on what direct exposure implies beyond Sunrise Beach, see the exposure-zones guide.