Cainsville, MO
How exposed is Cainsville to wildfire?
USFS scores Cainsville at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 349 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cainsville's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Cainsville's building exposure, zone by zone
USFS classifies 58.2% of Cainsville's buildings as Direct exposure, higher than its 41.8% Indirect share and far above its 0% Minimal share — a profile where 203 structures sit close enough to vegetation that lot clearing matters most.
Cainsville against the rest of the country
There's little gap between Cainsville's 63rd national percentile and its 64th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cainsville ranks 11,632 for wildfire risk (1 is highest) and 20,341 by building count (1 is largest). Within Missouri alone, it ranks 386 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Cainsville
Cainsville's high rating (63rd 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.
Lowering exposure, not just insuring around it
Cainsville's 58.2% 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 Cainsville's figures come from
Cainsville's 63rd-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 Cainsville's dominant direct exposure actually means, with real examples from across the dataset.