Arbyrd, MO
How exposed is Arbyrd to wildfire?
Arbyrd sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 330 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arbyrd's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Arbyrd's building exposure, zone by zone
Most of Arbyrd's buildings (75.5% of 330) 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.
Arbyrd against the rest of the country
There's little gap between Arbyrd's 2nd national percentile and its 2nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Arbyrd ranks 30,991 for wildfire risk (1 is highest) and 20,822 by building count (1 is largest). Within Missouri alone, it ranks 1,041 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Arbyrd
Arbyrd's low wildfire rating (2nd 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.
What would actually reduce this score
Even with 75.5% of Arbyrd 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.
Where Arbyrd's figures come from
The methodology guide shows exactly how USFS turned 330 counted buildings into the percentiles shown above for Arbyrd. The exposure-zones guide covers what Arbyrd's dominant minimal exposure actually means, with real examples from across the dataset.