Fairfax, MO
How exposed is Fairfax to wildfire?
USFS scores Fairfax at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 469 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairfax at the 36th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Fairfax's buildings actually sit
Fairfax rates 87.2% Minimal exposure against just 12.8% Direct and 0% Indirect — of 469 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Fairfax ranks
Fairfax's 36th national percentile looks worse in isolation than its 12th ranking inside Missouri does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Fairfax ranks 20,264 for wildfire risk (1 is highest) and 17,897 by building count (1 is largest). Within Missouri alone, it ranks 940 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 36th national percentile, Fairfax rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 87.2% of Fairfax 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
Fairfax's 36th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Fairfax, see the exposure-zones guide.