Guilford, MO
Guilford, MO's wildfire risk, in USFS's own numbers
USFS scores Guilford at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 80 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Guilford's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
What "at risk" means for the buildings here
82.5% of Guilford's 80 buildings sit in USFS's Minimal exposure zone, with only 17.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Guilford ranks
There's little gap between Guilford's 56th national percentile and its 45th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Guilford ranks 13,809 for wildfire risk (1 is highest) and 29,885 by building count (1 is largest). Within Missouri alone, it ranks 585 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Guilford
At the 56th national percentile, Guilford rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 82.5% of Guilford 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.
Where Guilford's figures come from
The methodology guide shows exactly how USFS turned 80 counted buildings into the percentiles shown above for Guilford. The exposure-zones guide covers what Guilford's dominant minimal exposure actually means, with real examples from across the dataset.