Alba, MO
Alba wildfire risk explained
USFS scores Alba at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 337 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Alba at the 66th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Alba's buildings (55.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Alba against the rest of the country
Alba's risk sits at a similar level relative to Missouri (67th percentile statewide) as it does nationally (64th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Alba ranks 11,246 for wildfire risk (1 is highest) and 20,661 by building count (1 is largest). Within Missouri alone, it ranks 348 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Alba and the insurance market
At the 64th percentile nationally, Alba 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
Alba's 55.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Alba's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Alba, see the exposure-zones guide.