Rosendale, MO
How exposed is Rosendale to wildfire?
Rosendale sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 112 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rosendale's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
What "at risk" means for the buildings here
Most of Rosendale's buildings (66.1% of 112) 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.
How Rosendale compares
Rosendale's 52nd national percentile looks worse in isolation than its 36th ranking inside Missouri does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Rosendale ranks 15,193 for wildfire risk (1 is highest) and 28,547 by building count (1 is largest). Within Missouri alone, it ranks 676 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
Rosendale's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 66.1% of Rosendale 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
Rosendale's 52nd-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 Rosendale, see the exposure-zones guide.