Granby, MO
How exposed is Granby to wildfire?
Granby sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,331 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Granby's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Granby's building exposure, zone by zone
USFS classifies 60.2% of Granby's buildings as Direct exposure, higher than its 38.5% Indirect share and far above its 1.4% Minimal share — a profile where 801 structures sit close enough to vegetation that lot clearing matters most.
Granby against the rest of the country
Granby scores 71st nationally and 84th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Granby ranks 9,015 for wildfire risk (1 is highest) and 9,924 by building count (1 is largest). Within Missouri alone, it ranks 167 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 71st percentile nationally, Granby carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Granby (60.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Granby's 71st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Granby, see the exposure-zones guide.