Vibbard, MO
How exposed is Vibbard to wildfire?
Out of every US place USFS scores, Vibbard lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 189 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Vibbard's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Vibbard's building exposure, zone by zone
189 buildings are counted in Vibbard, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Vibbard ranks
Vibbard's risk sits at a similar level relative to Missouri (80th percentile statewide) as it does nationally (69th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Vibbard ranks 9,702 for wildfire risk (1 is highest) and 25,284 by building count (1 is largest). Within Missouri alone, it ranks 208 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Vibbard and the insurance market
At the 69th percentile nationally, Vibbard 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
Vibbard's 100% 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.
Where Vibbard's figures come from
The methodology guide shows exactly how USFS turned 189 counted buildings into the percentiles shown above for Vibbard. The exposure-zones guide covers what Vibbard's dominant direct exposure actually means, with real examples from across the dataset.