Bellerive Acres, MO
Bellerive Acres, MO's wildfire risk, in USFS's own numbers
USFS scores Bellerive Acres at the 44th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 146 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bellerive Acres at the 48th percentile, close to its 44th-percentile risk score.
Bellerive Acres's building exposure, zone by zone
Bellerive Acres rates 94.5% Minimal exposure against just 5.5% Direct and 0% Indirect — of 146 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Bellerive Acres against the rest of the country
Inside Missouri, Bellerive Acres sits at just the 23rd percentile even though it scores 44th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Bellerive Acres ranks 17,522 for wildfire risk (1 is highest) and 27,026 by building count (1 is largest). Within Missouri alone, it ranks 819 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Bellerive Acres
Bellerive Acres's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 94.5% of buildings rated Minimal exposure, Bellerive Acres gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bellerive Acres's figures come from
The methodology guide shows exactly how USFS turned 146 counted buildings into the percentiles shown above for Bellerive Acres. The exposure-zones guide covers what Bellerive Acres's dominant minimal exposure actually means, with real examples from across the dataset.