Kinloch, MO
Kinloch, MO's wildfire risk, in USFS's own numbers
Kinloch sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 182 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kinloch's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
Where Kinloch's buildings actually sit
Most of Kinloch's buildings (96.2% of 182) 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 Kinloch ranks
Inside Missouri, Kinloch sits at just the 13th percentile even though it scores 38th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Kinloch ranks 19,477 for wildfire risk (1 is highest) and 25,542 by building count (1 is largest). Within Missouri alone, it ranks 926 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
Kinloch's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Kinloch
Even with 96.2% of Kinloch 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
Every one of the two percentiles behind Kinloch's 19,477-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Kinloch, see the exposure-zones guide.