Evergreen, MO
Evergreen, MO's wildfire risk, in USFS's own numbers
USFS scores Evergreen at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 72 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Evergreen at the 84th percentile, close to its 81st-percentile risk score.
Where Evergreen's buildings actually sit
USFS classifies 100% of Evergreen's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 72 structures sit close enough to vegetation that lot clearing matters most.
How Evergreen compares
Evergreen's 98th-percentile standing inside Missouri outpaces its 81st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Evergreen ranks 6,017 for wildfire risk (1 is highest) and 30,209 by building count (1 is largest). Within Missouri alone, it ranks 20 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
Evergreen's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Evergreen's 100% 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.
More on how this number was built
Every one of the two percentiles behind Evergreen's 6,017-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Evergreen, see the exposure-zones guide.