Biehle, MO
How exposed is Biehle to wildfire?
USFS's Wildfire Risk to Communities model puts Biehle at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 76 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Biehle at the 50th percentile, close to its 48th-percentile risk score.
Where Biehle's buildings actually sit
USFS classifies 57.9% of Biehle's buildings as Direct exposure, higher than its 42.1% Indirect share and far above its 0% Minimal share — a profile where 44 structures sit close enough to vegetation that lot clearing matters most.
Biehle against the rest of the country
Biehle's 48th national percentile looks worse in isolation than its 28th ranking inside Missouri does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Biehle ranks 16,484 for wildfire risk (1 is highest) and 30,051 by building count (1 is largest). Within Missouri alone, it ranks 760 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
Biehle's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Biehle's 57.9% 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 Biehle's figures come from
The methodology guide shows exactly how USFS turned 76 counted buildings into the percentiles shown above for Biehle. The exposure-zones guide covers what Biehle's dominant direct exposure actually means, with real examples from across the dataset.