Alma, MO
Alma wildfire risk explained
Alma's 297 buildings earn a 14th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Alma at the 13th percentile, close to its 14th-percentile risk score.
What "at risk" means for the buildings here
Most of Alma's buildings (89.2% of 297) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Alma ranks
Alma's risk sits at a similar level relative to Missouri (6th percentile statewide) as it does nationally (14th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Alma ranks 27,170 for wildfire risk (1 is highest) and 21,710 by building count (1 is largest). Within Missouri alone, it ranks 997 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Alma
Alma's low wildfire rating (14th 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
With 89.2% of buildings rated Minimal exposure, Alma gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Alma's figures come from
Alma's 14th-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 Alma's dominant minimal exposure actually means, with real examples from across the dataset.