Greendale, MO
Greendale wildfire risk explained
USFS scores Greendale at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 370 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 Greendale at the 49th percentile, close to its 45th-percentile risk score.
Where Greendale's buildings actually sit
Most of Greendale's buildings (97.8% of 370) 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.
Where Greendale ranks
Greendale's 45th national percentile looks worse in isolation than its 24th ranking inside Missouri does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Greendale ranks 17,369 for wildfire risk (1 is highest) and 19,856 by building count (1 is largest). Within Missouri alone, it ranks 808 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
Greendale's elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 97.8% of Greendale 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
Greendale's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Greendale, see the exposure-zones guide.