Pineville, MO
How exposed is Pineville to wildfire?
USFS scores Pineville at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 455 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pineville's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Pineville's building exposure, zone by zone
455 buildings are counted in Pineville, and 64% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Pineville against the rest of the country
Pineville's 97th-percentile standing inside Missouri outpaces its 80th 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, Pineville ranks 6,400 for wildfire risk (1 is highest) and 18,177 by building count (1 is largest). Within Missouri alone, it ranks 36 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
Pineville's high rating (80th 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
Because Direct exposure dominates in Pineville (64%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 455 counted buildings into the percentiles shown above for Pineville. For more on what direct exposure implies beyond Pineville, see the exposure-zones guide.