Ridgely, MO
Ridgely, MO's wildfire risk, in USFS's own numbers
Ridgely's 91 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ridgely at the 71st percentile, close to its 69th-percentile risk score.
What "at risk" means for the buildings here
93.4% of Ridgely's 91 buildings sit in USFS's Direct exposure zone, roughly 85 structures close enough to burnable vegetation for flame contact, not just embers — 6.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Ridgely ranks
There's little gap between Ridgely's 69th national percentile and its 81st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ridgely ranks 9,647 for wildfire risk (1 is highest) and 29,452 by building count (1 is largest). Within Missouri alone, it ranks 205 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
Ridgely's high rating (69th 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.
Hardening a home in Ridgely
With 93.4% of Ridgely in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ridgely's 9,647-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ridgely, see the exposure-zones guide.