Shelbina, MO
Shelbina, MO's wildfire risk, in USFS's own numbers
USFS scores Shelbina at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,210 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shelbina's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Shelbina's buildings actually sit
Only 15.8% of Shelbina's 1,210 buildings carry Direct exposure and 0% carry Indirect; the remaining 84.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Shelbina against the rest of the country
Shelbina's 38th national percentile looks worse in isolation than its 13th ranking inside Missouri does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Shelbina ranks 19,478 for wildfire risk (1 is highest) and 10,590 by building count (1 is largest). Within Missouri alone, it ranks 927 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
Shelbina's moderate wildfire rating (38th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Shelbina
Even with 84.2% of Shelbina 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
The methodology guide shows exactly how USFS turned 1,210 counted buildings into the percentiles shown above for Shelbina. For more on what minimal exposure implies beyond Shelbina, see the exposure-zones guide.