Gallatin, MO
How exposed is Gallatin to wildfire?
Gallatin's 1,223 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gallatin's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Where Gallatin's buildings actually sit
Most of Gallatin's buildings (67.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Gallatin against the rest of the country
There's little gap between Gallatin's 65th national percentile and its 69th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gallatin ranks 11,093 for wildfire risk (1 is highest) and 10,516 by building count (1 is largest). Within Missouri alone, it ranks 335 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
Gallatin's high rating (65th 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
Gallatin's 67.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Gallatin's 11,093-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Gallatin, see the exposure-zones guide.