Thayer, MO
Thayer, MO's wildfire risk, in USFS's own numbers
Thayer sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,237 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Thayer at the 79th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Thayer's buildings actually sit
Indirect exposure is dominant in Thayer (60.7% of 1,237 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 39.3% sit in the Direct zone.
How Thayer compares
Within Missouri, Thayer ranks higher (92nd percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Thayer ranks 7,568 for wildfire risk (1 is highest) and 10,429 by building count (1 is largest). Within Missouri alone, it ranks 82 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Thayer
Thayer's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 60.7% of Thayer's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Thayer's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Thayer, see the exposure-zones guide.