Palmyra, MO
Palmyra, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Palmyra at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,056 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Palmyra at the 56th percentile, close to its 54th-percentile risk score.
Palmyra's building exposure, zone by zone
USFS classifies 73.2% of Palmyra's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.7% Direct and 22.1% Indirect — a landscape-level risk rather than a building-by-building one.
Where Palmyra ranks
Palmyra scores 54th nationally and 40th 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, Palmyra ranks 14,630 for wildfire risk (1 is highest) and 7,324 by building count (1 is largest). Within Missouri alone, it ranks 639 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
At the 54th national percentile, Palmyra rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 73.2% of Palmyra 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 Palmyra's figures come from
The methodology guide shows exactly how USFS turned 2,056 counted buildings into the percentiles shown above for Palmyra. The exposure-zones guide covers what Palmyra's dominant minimal exposure actually means, with real examples from across the dataset.