Tarsney Lakes, MO
How exposed is Tarsney Lakes to wildfire?
Out of every US place USFS scores, Tarsney Lakes lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 162 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tarsney Lakes's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
Tarsney Lakes's building exposure, zone by zone
71% of Tarsney Lakes's 162 buildings sit in USFS's Direct exposure zone, roughly 115 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 29% are Minimal.
Where Tarsney Lakes ranks
Tarsney Lakes's 49th national percentile looks worse in isolation than its 30th ranking inside Missouri does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Tarsney Lakes ranks 16,137 for wildfire risk (1 is highest) and 26,344 by building count (1 is largest). Within Missouri alone, it ranks 743 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
Tarsney Lakes's elevated wildfire rating (49th 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.
Hardening a home in Tarsney Lakes
With 71% of Tarsney Lakes in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Tarsney Lakes's figures come from
The methodology guide shows exactly how USFS turned 162 counted buildings into the percentiles shown above for Tarsney Lakes. The exposure-zones guide covers what Tarsney Lakes's dominant direct exposure actually means, with real examples from across the dataset.