Bernie, MO
How exposed is Bernie to wildfire?
Out of every US place USFS scores, Bernie lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,169 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bernie's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
What "at risk" means for the buildings here
88.7% of Bernie's 1,169 buildings sit in USFS's Minimal exposure zone, with only 11.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Bernie against the rest of the country
Bernie's risk sits at a similar level relative to Missouri (2nd percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bernie ranks 31,149 for wildfire risk (1 is highest) and 10,834 by building count (1 is largest). Within Missouri alone, it ranks 1,045 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Bernie and the insurance market
Bernie's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Bernie
Bernie's 88.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bernie's 31,149-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Bernie, see the exposure-zones guide.