Zalma, MO
Zalma wildfire risk explained
USFS's Wildfire Risk to Communities model puts Zalma at the 55th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 76 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Zalma's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
Zalma's building exposure, zone by zone
USFS classifies 67.1% of Zalma's buildings as Direct exposure, higher than its 32.9% Indirect share and far above its 0% Minimal share — a profile where 51 structures sit close enough to vegetation that lot clearing matters most.
Where Zalma ranks
There's little gap between Zalma's 55th national percentile and its 42nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Zalma ranks 14,189 for wildfire risk (1 is highest) and 30,055 by building count (1 is largest). Within Missouri alone, it ranks 614 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 55th national percentile, Zalma rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Zalma's 67.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Zalma's figures come from
Every one of the two percentiles behind Zalma's 14,189-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Zalma's dominant direct exposure actually means, with real examples from across the dataset.