Berkeley, MO
How exposed is Berkeley to wildfire?
USFS's Wildfire Risk to Communities model puts Berkeley at the 40th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 4,089 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Berkeley's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Berkeley's building exposure, zone by zone
Only 1% of Berkeley's 4,089 buildings carry Direct exposure and 0% carry Indirect; the remaining 99% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Berkeley against the rest of the country
Berkeley ranks lower within Missouri (15th percentile statewide) than its 40th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Berkeley ranks 18,784 for wildfire risk (1 is highest) and 4,151 by building count (1 is largest). Within Missouri alone, it ranks 903 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
At the 40th national percentile, Berkeley rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 99% of Berkeley 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,089 counted buildings into the percentiles shown above for Berkeley. For more on what minimal exposure implies beyond Berkeley, see the exposure-zones guide.