Brumley, MO
Brumley wildfire risk explained
Brumley sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 84 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Brumley at the 83rd percentile, close to its 81st-percentile risk score.
Where Brumley's buildings actually sit
Direct exposure dominates in Brumley: 83.3% of its 84 buildings, versus 16.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Brumley ranks
Compare Brumley's two percentiles: 98th within Missouri, only 81st nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Brumley ranks 5,927 for wildfire risk (1 is highest) and 29,733 by building count (1 is largest). Within Missouri alone, it ranks 18 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 81st percentile nationally, Brumley carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Brumley (83.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Brumley's figures come from
The methodology guide shows exactly how USFS turned 84 counted buildings into the percentiles shown above for Brumley. The exposure-zones guide covers what Brumley's dominant direct exposure actually means, with real examples from across the dataset.