Berger, MO
Berger, MO's wildfire risk, in USFS's own numbers
Berger sits at the 59th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 166 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Berger at the 61st percentile, close to its 59th-percentile risk score.
Where Berger's buildings actually sit
USFS classifies 59% of Berger's buildings as Direct exposure, higher than its 41% Indirect share and far above its 0% Minimal share — a profile where 98 structures sit close enough to vegetation that lot clearing matters most.
Berger against the rest of the country
There's little gap between Berger's 59th national percentile and its 52nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Berger ranks 12,982 for wildfire risk (1 is highest) and 26,175 by building count (1 is largest). Within Missouri alone, it ranks 512 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Berger
Berger's elevated rating (59th 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
Berger's 59% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Berger's figures come from
Berger's 59th-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 Berger's dominant direct exposure actually means, with real examples from across the dataset.