Miami, MO
Miami wildfire risk explained
Out of every US place USFS scores, Miami lands at the 60th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 112 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Miami at the 61st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Miami's buildings actually sit
88.4% of Miami's 112 buildings sit in USFS's Direct exposure zone, roughly 99 structures close enough to burnable vegetation for flame contact, not just embers — 11.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Miami against the rest of the country
Miami scores 60th nationally and 55th 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, Miami ranks 12,634 for wildfire risk (1 is highest) and 28,546 by building count (1 is largest). Within Missouri alone, it ranks 476 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Miami and the insurance market
Miami's elevated wildfire rating (60th 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 Miami
Miami's 88.4% 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 112 counted buildings into the percentiles shown above for Miami. For more on what direct exposure implies beyond Miami, see the exposure-zones guide.