Liberty, MO
How exposed is Liberty to wildfire?
Liberty's 11,105 buildings earn a 62nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Liberty at the 64th 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
Only 19.1% of Liberty's 11,105 buildings carry Direct exposure and 10.9% carry Indirect; the remaining 70% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 11,105 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Liberty compares
Liberty's risk sits at a similar level relative to Missouri (61st percentile statewide) as it does nationally (62nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Liberty ranks 11,947 for wildfire risk (1 is highest) and 1,431 by building count (1 is largest). Within Missouri alone, it ranks 414 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
Liberty's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Liberty
With 70% of buildings rated Minimal exposure, Liberty 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
Liberty's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Liberty, see the exposure-zones guide.