Umber View Heights, MO
How exposed is Umber View Heights to wildfire?
Umber View Heights's 32 buildings earn a 68th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Umber View Heights at the 69th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Umber View Heights's 32 counted buildings, 93.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Umber View Heights against the rest of the country
There's little gap between Umber View Heights's 68th national percentile and its 77th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Umber View Heights ranks 10,152 for wildfire risk (1 is highest) and 31,327 by building count (1 is largest). Within Missouri alone, it ranks 247 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
At the 68th percentile nationally, Umber View Heights carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Umber View Heights (93.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 32 counted buildings into the percentiles shown above for Umber View Heights. For more on what direct exposure implies beyond Umber View Heights, see the exposure-zones guide.