Waverly, MO
Waverly, MO's wildfire risk, in USFS's own numbers
USFS scores Waverly at the 53rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 526 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waverly's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Waverly's building exposure, zone by zone
67.7% of Waverly's 526 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 32.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Waverly ranks
There's little gap between Waverly's 53rd national percentile and its 39th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Waverly ranks 14,782 for wildfire risk (1 is highest) and 16,924 by building count (1 is largest). Within Missouri alone, it ranks 648 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Waverly
Waverly's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 67.7% of Waverly'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.
Where Waverly's figures come from
The methodology guide shows exactly how USFS turned 526 counted buildings into the percentiles shown above for Waverly. The exposure-zones guide covers what Waverly's dominant indirect exposure actually means, with real examples from across the dataset.