Weatherby, MO
How exposed is Weatherby to wildfire?
USFS's Wildfire Risk to Communities model puts Weatherby at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 89 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Weatherby's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Where Weatherby's buildings actually sit
USFS classifies 53.9% of Weatherby's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 46.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Weatherby against the rest of the country
Weatherby's risk sits at a similar level relative to Missouri (51st percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Weatherby ranks 13,052 for wildfire risk (1 is highest) and 29,539 by building count (1 is largest). Within Missouri alone, it ranks 521 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
Weatherby's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 53.9% of buildings rated Minimal exposure, Weatherby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Weatherby's 13,052-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Weatherby, see the exposure-zones guide.