Wilson City, MO
How exposed is Wilson City to wildfire?
Wilson City sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 98 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wilson City at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 89.8% of Wilson City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Wilson City ranks
There's little gap between Wilson City's 3rd national percentile and its 4th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wilson City ranks 30,522 for wildfire risk (1 is highest) and 29,134 by building count (1 is largest). Within Missouri alone, it ranks 1,025 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
Wilson City's low wildfire rating (3rd 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
Even with 89.8% of Wilson City 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 Wilson City's figures come from
The methodology guide shows exactly how USFS turned 98 counted buildings into the percentiles shown above for Wilson City. The exposure-zones guide covers what Wilson City's dominant minimal exposure actually means, with real examples from across the dataset.