Hillsdale, MO
Hillsdale, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hillsdale at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 823 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hillsdale at the 48th percentile, close to its 44th-percentile risk score.
What "at risk" means for the buildings here
99.9% of Hillsdale's 823 buildings sit in USFS's Minimal exposure zone, with only 0.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Hillsdale against the rest of the country
Hillsdale's 44th national percentile looks worse in isolation than its 22nd ranking inside Missouri does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Hillsdale ranks 17,585 for wildfire risk (1 is highest) and 13,416 by building count (1 is largest). Within Missouri alone, it ranks 828 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Hillsdale and the insurance market
At the 44th national percentile, Hillsdale 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 Hillsdale
Even with 99.9% of Hillsdale 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
Hillsdale's 44th-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 Hillsdale, see the exposure-zones guide.