Hurley, MO
Hurley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hurley at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 132 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hurley's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Hurley's building exposure, zone by zone
Of Hurley's 132 counted buildings, 72.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Hurley compares
Hurley's 89th-percentile standing inside Missouri outpaces its 73rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hurley ranks 8,415 for wildfire risk (1 is highest) and 27,626 by building count (1 is largest). Within Missouri alone, it ranks 123 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Hurley
Hurley's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Hurley's 72.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 132 counted buildings into the percentiles shown above for Hurley. For more on what direct exposure implies beyond Hurley, see the exposure-zones guide.