Harris, MO
How exposed is Harris to wildfire?
Out of every US place USFS scores, Harris lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 63 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harris at the 69th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Harris's buildings (52.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Harris against the rest of the country
There's little gap between Harris's 67th national percentile and its 74th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Harris ranks 10,464 for wildfire risk (1 is highest) and 30,548 by building count (1 is largest). Within Missouri alone, it ranks 275 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 67th percentile nationally, Harris 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 52.4% of Harris'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
Every one of the two percentiles behind Harris's 10,464-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Harris, see the exposure-zones guide.