Atlanta, MO
Atlanta wildfire risk explained
Atlanta sits at the 64th 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 309 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Atlanta's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
USFS puts 68% of Atlanta's 309 buildings in the Indirect exposure zone, versus 32% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Atlanta compares
Atlanta's risk sits at a similar level relative to Missouri (68th 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, Atlanta ranks 11,225 for wildfire risk (1 is highest) and 21,398 by building count (1 is largest). Within Missouri alone, it ranks 345 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
Atlanta's 64th-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.
What would actually reduce this score
With ember exposure the dominant pattern in Atlanta (68% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Atlanta's figures come from
Every one of the two percentiles behind Atlanta's 11,225-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Atlanta's dominant indirect exposure actually means, with real examples from across the dataset.