Windsor, MO
How exposed is Windsor to wildfire?
Windsor sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,640 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Windsor at the 72nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Windsor's buildings actually sit
Indirect exposure is dominant in Windsor (62% of 1,640 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.3% sit in the Direct zone.
Where Windsor ranks
Windsor scores 72nd nationally and 85th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Windsor ranks 8,983 for wildfire risk (1 is highest) and 8,620 by building count (1 is largest). Within Missouri alone, it ranks 165 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
Windsor's 72nd-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.
Lowering exposure, not just insuring around it
Because 62% of Windsor'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 Windsor's figures come from
Windsor's 72nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Windsor's dominant indirect exposure actually means, with real examples from across the dataset.