Bennett Springs, MO
How exposed is Bennett Springs to wildfire?
Bennett Springs sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 462 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bennett Springs at the 84th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bennett Springs's building exposure, zone by zone
USFS classifies 93.9% of Bennett Springs's buildings as Direct exposure, higher than its 6.1% Indirect share and far above its 0% Minimal share — a profile where 434 structures sit close enough to vegetation that lot clearing matters most.
Bennett Springs against the rest of the country
Bennett Springs's 98th-percentile standing inside Missouri outpaces its 81st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Bennett Springs ranks 5,963 for wildfire risk (1 is highest) and 18,031 by building count (1 is largest). Within Missouri alone, it ranks 19 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
Bennett Springs's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Bennett Springs
Because Direct exposure dominates in Bennett Springs (93.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bennett Springs's figures come from
Bennett Springs's 81st-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 Bennett Springs's dominant direct exposure actually means, with real examples from across the dataset.