Hayward, MO
How exposed is Hayward to wildfire?
Hayward's 73 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hayward at the 1st percentile, close to its 1st-percentile risk score.
Hayward's building exposure, zone by zone
Hayward rates 50.7% Minimal exposure against just 49.3% Direct and 0% Indirect — of 73 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Hayward against the rest of the country
There's little gap between Hayward's 1st national percentile and its 2nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hayward ranks 31,111 for wildfire risk (1 is highest) and 30,179 by building count (1 is largest). Within Missouri alone, it ranks 1,043 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Hayward and the insurance market
Hayward's low wildfire rating (1st 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.
Hardening a home in Hayward
Hayward's 50.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Hayward's 31,111-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Hayward, see the exposure-zones guide.