Willard, MO
How exposed is Willard to wildfire?
Willard's 2,274 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Willard's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
USFS puts 40.5% of Willard's 2,274 buildings in the Indirect exposure zone, versus 24.6% Direct and 34.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Willard compares
There's little gap between Willard's 67th national percentile and its 73rd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Willard ranks 10,565 for wildfire risk (1 is highest) and 6,763 by building count (1 is largest). Within Missouri alone, it ranks 287 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
Willard's 67th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 40.5% of Willard's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Willard's figures come from
Every one of the two percentiles behind Willard's 10,565-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Willard's dominant indirect exposure actually means, with real examples from across the dataset.