Westphalia, MO
Westphalia, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Westphalia at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 263 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westphalia at the 59th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Westphalia (60.5% of 263 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 39.5% sit in the Direct zone.
Where Westphalia ranks
There's little gap between Westphalia's 57th national percentile and its 48th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Westphalia ranks 13,523 for wildfire risk (1 is highest) and 22,739 by building count (1 is largest). Within Missouri alone, it ranks 559 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
Westphalia's elevated wildfire rating (57th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Westphalia's 60.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 263 counted buildings into the percentiles shown above for Westphalia. For more on what indirect exposure implies beyond Westphalia, see the exposure-zones guide.