Wellington, MO
How exposed is Wellington to wildfire?
Out of every US place USFS scores, Wellington lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 438 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wellington at the 43rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Wellington's building exposure, zone by zone
Wellington rates 87.7% Minimal exposure against just 12.3% Direct and 0% Indirect — of 438 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Wellington compares
Inside Missouri, Wellington sits at just the 20th percentile even though it scores 43rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Wellington ranks 17,874 for wildfire risk (1 is highest) and 18,505 by building count (1 is largest). Within Missouri alone, it ranks 857 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 43rd national percentile, Wellington rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 87.7% of Wellington 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
Wellington's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Wellington, see the exposure-zones guide.