Allendale, MO
Allendale wildfire risk explained
Out of every US place USFS scores, Allendale lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 94 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Allendale's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Allendale's buildings actually sit
94 buildings are counted in Allendale, and 59.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Allendale compares
Allendale scores 72nd nationally and 86th 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, Allendale ranks 8,727 for wildfire risk (1 is highest) and 29,318 by building count (1 is largest). Within Missouri alone, it ranks 146 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
Allendale'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 Direct exposure dominates in Allendale (59.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Allendale's figures come from
Every one of the two percentiles behind Allendale's 8,727-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Allendale's dominant direct exposure actually means, with real examples from across the dataset.