Hayti Heights, MO
How exposed is Hayti Heights to wildfire?
USFS's Wildfire Risk to Communities model puts Hayti Heights at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 224 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hayti Heights at the 4th national percentile — 0 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 Hayti Heights's buildings (58.5% of 224) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Hayti Heights ranks
Hayti Heights scores 4th nationally and 4th 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, Hayti Heights ranks 30,266 for wildfire risk (1 is highest) and 23,983 by building count (1 is largest). Within Missouri alone, it ranks 1,020 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
Hayti Heights's low wildfire rating (4th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 58.5% of buildings rated Minimal exposure, Hayti Heights gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 224 counted buildings into the percentiles shown above for Hayti Heights. For more on what minimal exposure implies beyond Hayti Heights, see the exposure-zones guide.