Elsberry, MO
Elsberry, MO's wildfire risk, in USFS's own numbers
Elsberry sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,106 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elsberry at the 55th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Elsberry's building exposure, zone by zone
1,106 buildings are counted in Elsberry, and 87.1% of them are Indirect exposure — ember-driven risk rather than the 12.9% in Direct exposure or the 0% rated Minimal.
How Elsberry compares
There's little gap between Elsberry's 52nd national percentile and its 38th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Elsberry ranks 15,002 for wildfire risk (1 is highest) and 11,243 by building count (1 is largest). Within Missouri alone, it ranks 663 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 52nd national percentile, Elsberry rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Elsberry
With ember exposure the dominant pattern in Elsberry (87.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Elsberry's figures come from
Every one of the two percentiles behind Elsberry's 15,002-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elsberry's dominant indirect exposure actually means, with real examples from across the dataset.