Purdy, MO
Purdy wildfire risk explained
Out of every US place USFS scores, Purdy lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 574 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Purdy at the 73rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Purdy's building exposure, zone by zone
Most of Purdy's buildings (74.7% of 574) 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.
Where Purdy ranks
There's little gap between Purdy's 71st national percentile and its 84th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Purdy ranks 9,016 for wildfire risk (1 is highest) and 16,184 by building count (1 is largest). Within Missouri alone, it ranks 168 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 71st percentile nationally, Purdy carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 74.7% of Purdy 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 Purdy's figures come from
The methodology guide shows exactly how USFS turned 574 counted buildings into the percentiles shown above for Purdy. The exposure-zones guide covers what Purdy's dominant minimal exposure actually means, with real examples from across the dataset.