Coffey, MO
How exposed is Coffey to wildfire?
Coffey's 120 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coffey's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
Only 27.5% of Coffey's 120 buildings carry Direct exposure and 0% carry Indirect; the remaining 72.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Coffey against the rest of the country
There's little gap between Coffey's 65th national percentile and its 69th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coffey ranks 11,092 for wildfire risk (1 is highest) and 28,151 by building count (1 is largest). Within Missouri alone, it ranks 334 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Coffey and the insurance market
Coffey's 65th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Even with 72.5% of Coffey 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.
More on how this number was built
Every one of the two percentiles behind Coffey's 11,092-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Coffey, see the exposure-zones guide.