Bella Villa, MO
Bella Villa, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bella Villa at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 390 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bella Villa at the 45th national percentile — 4 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
Only 0% of Bella Villa's 390 buildings carry Direct exposure and 0% carry Indirect; the remaining 100% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Bella Villa ranks
Bella Villa ranks lower within Missouri (15th percentile statewide) than its 41st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bella Villa ranks 18,749 for wildfire risk (1 is highest) and 19,410 by building count (1 is largest). Within Missouri alone, it ranks 900 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Bella Villa and the insurance market
Bella Villa's elevated wildfire rating (41st 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.
Hardening a home in Bella Villa
Even with 100% of Bella Villa outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bella Villa's figures come from
Every one of the two percentiles behind Bella Villa's 18,749-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bella Villa's dominant minimal exposure actually means, with real examples from across the dataset.