Urbana, MO
Urbana, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Urbana lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 319 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Urbana's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 64% of Urbana's buildings as Direct exposure, higher than its 36.1% Indirect share and far above its 0% Minimal share — a profile where 204 structures sit close enough to vegetation that lot clearing matters most.
Urbana against the rest of the country
Urbana's 99th-percentile standing inside Missouri outpaces its 84th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Urbana ranks 4,984 for wildfire risk (1 is highest) and 21,121 by building count (1 is largest). Within Missouri alone, it ranks 8 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Urbana and the insurance market
Urbana's 84th-percentile, very 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
Because Direct exposure dominates in Urbana (64%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Urbana's figures come from
The methodology guide shows exactly how USFS turned 319 counted buildings into the percentiles shown above for Urbana. The exposure-zones guide covers what Urbana's dominant direct exposure actually means, with real examples from across the dataset.