Shelbyville, MO
Shelbyville, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Shelbyville at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 435 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shelbyville at the 53rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Shelbyville's buildings (62.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Shelbyville compares
Shelbyville'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, Shelbyville ranks 15,287 for wildfire risk (1 is highest) and 18,551 by building count (1 is largest). Within Missouri alone, it ranks 685 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shelbyville and the insurance market
Shelbyville's elevated wildfire rating (52nd 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 Shelbyville
Because 62.5% of Shelbyville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Shelbyville's 15,287-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Shelbyville, see the exposure-zones guide.