Fair Play, MO
Fair Play, MO's wildfire risk, in USFS's own numbers
Fair Play's 338 buildings earn a 77th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fair Play at the 79th percentile, close to its 77th-percentile risk score.
Where Fair Play's buildings actually sit
79.6% of Fair Play's 338 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Fair Play ranks
Within Missouri, Fair Play ranks higher (93rd percentile) than it does nationally (77th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fair Play ranks 7,312 for wildfire risk (1 is highest) and 20,634 by building count (1 is largest). Within Missouri alone, it ranks 72 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
Fair Play's high rating (77th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 79.6% of Fair Play's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 338 counted buildings into the percentiles shown above for Fair Play. For more on what indirect exposure implies beyond Fair Play, see the exposure-zones guide.