Olean, MO
How exposed is Olean to wildfire?
USFS's Wildfire Risk to Communities model puts Olean at the 80th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 103 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olean's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Olean's buildings actually sit
USFS classifies 64.1% of Olean's buildings as Direct exposure, higher than its 35.9% Indirect share and far above its 0% Minimal share — a profile where 66 structures sit close enough to vegetation that lot clearing matters most.
How Olean compares
Olean's 98th-percentile standing inside Missouri outpaces its 80th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Olean ranks 6,177 for wildfire risk (1 is highest) and 28,907 by building count (1 is largest). Within Missouri alone, it ranks 24 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Olean
Olean's very high rating (80th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Olean's 64.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Olean's figures come from
The methodology guide shows exactly how USFS turned 103 counted buildings into the percentiles shown above for Olean. The exposure-zones guide covers what Olean's dominant direct exposure actually means, with real examples from across the dataset.