Morley, MO
Morley, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Morley lands at the 18th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 481 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morley at the 19th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Morley's building exposure, zone by zone
USFS puts 50.3% of Morley's 481 buildings in the Indirect exposure zone, versus 23.3% Direct and 26.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Morley compares
Morley scores 18th nationally and 7th 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, Morley ranks 25,946 for wildfire risk (1 is highest) and 17,686 by building count (1 is largest). Within Missouri alone, it ranks 991 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Morley and the insurance market
At the 18th national percentile, Morley rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Morley
With ember exposure the dominant pattern in Morley (50.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Morley's figures come from
Every one of the two percentiles behind Morley's 25,946-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morley's dominant indirect exposure actually means, with real examples from across the dataset.