White Oak, MO
White Oak, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, White Oak lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 71 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Oak at the 2nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 78.9% of White Oak's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How White Oak compares
White Oak's risk sits at a similar level relative to Missouri (2nd percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, White Oak ranks 30,960 for wildfire risk (1 is highest) and 30,247 by building count (1 is largest). Within Missouri alone, it ranks 1,040 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in White Oak
At the 2nd national percentile, White Oak rates low 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 78.9% of White Oak 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.
Where White Oak's figures come from
Every one of the two percentiles behind White Oak's 30,960-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what White Oak's dominant minimal exposure actually means, with real examples from across the dataset.