Vandiver, MO
Vandiver wildfire risk explained
USFS's Wildfire Risk to Communities model puts Vandiver at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 124 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Vandiver at the 53rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Vandiver's buildings actually sit
Indirect exposure is dominant in Vandiver (79% of 124 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21% sit in the Direct zone.
Where Vandiver ranks
Inside Missouri, Vandiver sits at just the 34th percentile even though it scores 51st 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, Vandiver ranks 15,415 for wildfire risk (1 is highest) and 27,992 by building count (1 is largest). Within Missouri alone, it ranks 700 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
At the 51st national percentile, Vandiver rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Vandiver
Vandiver's 79% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 124 counted buildings into the percentiles shown above for Vandiver. For more on what indirect exposure implies beyond Vandiver, see the exposure-zones guide.