Wortham, MO
How exposed is Wortham to wildfire?
USFS's Wildfire Risk to Communities model puts Wortham at the 67th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 168 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wortham's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Wortham's building exposure, zone by zone
USFS classifies 85.7% of Wortham's buildings as Direct exposure, higher than its 14.3% Indirect share and far above its 0% Minimal share — a profile where 144 structures sit close enough to vegetation that lot clearing matters most.
Where Wortham ranks
There's little gap between Wortham's 67th national percentile and its 74th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wortham ranks 10,499 for wildfire risk (1 is highest) and 26,104 by building count (1 is largest). Within Missouri alone, it ranks 284 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Wortham and the insurance market
At the 67th percentile nationally, Wortham carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 85.7% of Wortham in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Wortham's 67th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Wortham, see the exposure-zones guide.