Three Creeks, MO
Three Creeks, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Three Creeks lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 37 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Creeks at the 50th percentile, close to its 49th-percentile risk score.
Three Creeks's building exposure, zone by zone
Direct exposure dominates in Three Creeks: 54.1% of its 37 buildings, versus 10.8% Indirect and 35.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Three Creeks against the rest of the country
Three Creeks ranks lower within Missouri (30th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Three Creeks ranks 16,237 for wildfire risk (1 is highest) and 31,234 by building count (1 is largest). Within Missouri alone, it ranks 747 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Three Creeks and the insurance market
Three Creeks's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Three Creeks
With 54.1% of Three Creeks 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 Three Creeks's figures come from
The methodology guide shows exactly how USFS turned 37 counted buildings into the percentiles shown above for Three Creeks. The exposure-zones guide covers what Three Creeks's dominant direct exposure actually means, with real examples from across the dataset.