Wayland, MO
Wayland wildfire risk explained
Out of every US place USFS scores, Wayland lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 380 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wayland at the 45th percentile, close to its 43rd-percentile risk score.
What "at risk" means for the buildings here
Wayland rates 84.2% Minimal exposure against just 15.8% Direct and 0% Indirect — of 380 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Wayland against the rest of the country
Wayland's 43rd national percentile looks worse in isolation than its 19th ranking inside Missouri does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Wayland ranks 17,933 for wildfire risk (1 is highest) and 19,651 by building count (1 is largest). Within Missouri alone, it ranks 862 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
Wayland's elevated wildfire rating (43rd 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.
Hardening a home in Wayland
With 84.2% of buildings rated Minimal exposure, Wayland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 380 counted buildings into the percentiles shown above for Wayland. For more on what minimal exposure implies beyond Wayland, see the exposure-zones guide.