Milford, MO
Milford, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Milford lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 32 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Milford's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Where Milford's buildings actually sit
USFS classifies 56.3% of Milford's buildings as Direct exposure, higher than its 43.8% Indirect share and far above its 0% Minimal share — a profile where 18 structures sit close enough to vegetation that lot clearing matters most.
How Milford compares
There's little gap between Milford's 68th national percentile and its 76th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Milford ranks 10,217 for wildfire risk (1 is highest) and 31,326 by building count (1 is largest). Within Missouri alone, it ranks 256 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Milford and the insurance market
Milford's 68th-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Milford (56.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 32 counted buildings into the percentiles shown above for Milford. For more on what direct exposure implies beyond Milford, see the exposure-zones guide.