Moberly, MO
Moberly, MO's wildfire risk, in USFS's own numbers
Moberly sits at the 57th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 6,565 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 Moberly at the 59th percentile, close to its 57th-percentile risk score.
Where Moberly's buildings actually sit
47.3% of Moberly's 6,565 buildings sit in USFS's Minimal exposure zone, with only 20.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 6,565 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Moberly against the rest of the country
Moberly scores 57th nationally and 47th 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, Moberly ranks 13,522 for wildfire risk (1 is highest) and 2,642 by building count (1 is largest). Within Missouri alone, it ranks 558 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Moberly
Moberly's elevated wildfire rating (57th 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.
Lowering exposure, not just insuring around it
Even with 47.3% of Moberly 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.
Where Moberly's figures come from
The methodology guide shows exactly how USFS turned 6,565 counted buildings into the percentiles shown above for Moberly. The exposure-zones guide covers what Moberly's dominant minimal exposure actually means, with real examples from across the dataset.