Novelty, MO
Novelty, MO's wildfire risk, in USFS's own numbers
USFS scores Novelty at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 131 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Novelty at the 48th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Novelty rates 58% Minimal exposure against just 42% Direct and 0% Indirect — of 131 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Novelty ranks
Novelty's 47th national percentile looks worse in isolation than its 26th ranking inside Missouri does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Novelty ranks 16,865 for wildfire risk (1 is highest) and 27,673 by building count (1 is largest). Within Missouri alone, it ranks 788 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Novelty and the insurance market
Novelty's elevated rating (47th 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
With 58% of buildings rated Minimal exposure, Novelty gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Novelty's figures come from
Every one of the two percentiles behind Novelty's 16,865-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Novelty's dominant minimal exposure actually means, with real examples from across the dataset.