Terre du Lac, MO
Terre du Lac wildfire risk explained
Terre du Lac sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,393 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Terre du Lac's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
79.4% of Terre du Lac's 1,393 buildings sit in USFS's Direct exposure zone, roughly 1,106 structures close enough to burnable vegetation for flame contact, not just embers — 14.2% fall in the Indirect, ember-only zone and 6.4% are Minimal.
Terre du Lac against the rest of the country
There's little gap between Terre du Lac's 64th national percentile and its 67th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Terre du Lac ranks 11,351 for wildfire risk (1 is highest) and 9,661 by building count (1 is largest). Within Missouri alone, it ranks 357 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
Terre du Lac's 64th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Terre du Lac's 79.4% 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
Every one of the two percentiles behind Terre du Lac's 11,351-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Terre du Lac, see the exposure-zones guide.