Rocky Comfort, MO
Rocky Comfort wildfire risk explained
Out of every US place USFS scores, Rocky Comfort lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 193 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rocky Comfort's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.3% of Rocky Comfort's buildings as Direct exposure, higher than its 5.7% Indirect share and far above its 0% Minimal share — a profile where 182 structures sit close enough to vegetation that lot clearing matters most.
How Rocky Comfort compares
Rocky Comfort's risk sits at a similar level relative to Missouri (86th percentile statewide) as it does nationally (72nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rocky Comfort ranks 8,794 for wildfire risk (1 is highest) and 25,125 by building count (1 is largest). Within Missouri alone, it ranks 154 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 72nd percentile nationally, Rocky Comfort 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.
What would actually reduce this score
With 94.3% of Rocky Comfort 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.
Where Rocky Comfort's figures come from
Every one of the two percentiles behind Rocky Comfort's 8,794-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rocky Comfort's dominant direct exposure actually means, with real examples from across the dataset.