Weatherby Lake, MO
How exposed is Weatherby Lake to wildfire?
Weatherby Lake sits at the 63rd 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 890 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Weatherby Lake's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Where Weatherby Lake's buildings actually sit
Most of Weatherby Lake's buildings (65.8% of 890) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Weatherby Lake ranks
Weatherby Lake scores 63rd nationally and 64th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Weatherby Lake ranks 11,602 for wildfire risk (1 is highest) and 12,812 by building count (1 is largest). Within Missouri alone, it ranks 383 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Weatherby Lake
At the 63rd percentile nationally, Weatherby Lake 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.
Hardening a home in Weatherby Lake
Even with 65.8% of Weatherby Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 890 counted buildings into the percentiles shown above for Weatherby Lake. For more on what minimal exposure implies beyond Weatherby Lake, see the exposure-zones guide.