Ashley, MO
How exposed is Ashley to wildfire?
USFS's Wildfire Risk to Communities model puts Ashley at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 112 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ashley at the 59th percentile, close to its 56th-percentile risk score.
What "at risk" means for the buildings here
Of Ashley's 112 counted buildings, 67.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Ashley against the rest of the country
Ashley's risk sits at a similar level relative to Missouri (46th percentile statewide) as it does nationally (56th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ashley ranks 13,738 for wildfire risk (1 is highest) and 28,545 by building count (1 is largest). Within Missouri alone, it ranks 579 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
Ashley's elevated wildfire rating (56th 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 Ashley
Because Direct exposure dominates in Ashley (67.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Ashley's figures come from
Every one of the two percentiles behind Ashley's 13,738-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ashley's dominant direct exposure actually means, with real examples from across the dataset.