Farley, MO
Farley, MO's wildfire risk, in USFS's own numbers
Farley's 191 buildings earn a 60th-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 Farley at the 62nd percentile, close to its 60th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Farley: 58.1% of its 191 buildings, versus 0% Indirect and 41.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Farley compares
There's little gap between Farley's 60th national percentile and its 56th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Farley ranks 12,545 for wildfire risk (1 is highest) and 25,209 by building count (1 is largest). Within Missouri alone, it ranks 465 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Farley and the insurance market
Farley's high rating (60th 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.
Hardening a home in Farley
Because Direct exposure dominates in Farley (58.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Farley's figures come from
The methodology guide shows exactly how USFS turned 191 counted buildings into the percentiles shown above for Farley. The exposure-zones guide covers what Farley's dominant direct exposure actually means, with real examples from across the dataset.