Dellwood, MO
Dellwood wildfire risk explained
Dellwood's 2,108 buildings earn a 47th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dellwood at the 51st percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Most of Dellwood's buildings (97.7% of 2,108) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Dellwood against the rest of the country
Inside Missouri, Dellwood sits at just the 27th percentile even though it scores 47th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Dellwood ranks 16,612 for wildfire risk (1 is highest) and 7,172 by building count (1 is largest). Within Missouri alone, it ranks 770 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
Dellwood's elevated rating (47th 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 Dellwood
Even with 97.7% of Dellwood 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 2,108 counted buildings into the percentiles shown above for Dellwood. For more on what minimal exposure implies beyond Dellwood, see the exposure-zones guide.