Manchester, MO
Manchester wildfire risk explained
Manchester sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 6,597 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Manchester at the 40th percentile, close to its 38th-percentile risk score.
Manchester's building exposure, zone by zone
Manchester rates 87.9% Minimal exposure against just 5.9% Direct and 6.2% Indirect — of 6,597 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 6,597 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Manchester against the rest of the country
Manchester ranks lower within Missouri (13th percentile statewide) than its 38th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Manchester ranks 19,446 for wildfire risk (1 is highest) and 2,628 by building count (1 is largest). Within Missouri alone, it ranks 924 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 38th national percentile, Manchester rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 87.9% of Manchester outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Manchester's 38th-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 Manchester, see the exposure-zones guide.