Naylor, MO
Naylor wildfire risk explained
Naylor sits at the 35th 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 377 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Naylor at the 38th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Naylor's building exposure, zone by zone
Most of Naylor's buildings (68.7% of 377) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Naylor against the rest of the country
Naylor ranks lower within Missouri (11th percentile statewide) than its 35th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Naylor ranks 20,390 for wildfire risk (1 is highest) and 19,721 by building count (1 is largest). Within Missouri alone, it ranks 944 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Naylor and the insurance market
Naylor's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 68.7% of Naylor 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
The methodology guide shows exactly how USFS turned 377 counted buildings into the percentiles shown above for Naylor. For more on what minimal exposure implies beyond Naylor, see the exposure-zones guide.