Ref. the subject matrix appearing in our favorite manual. If you are located in a state that was named a HIFCA but you live in an area that is not a drug kingdom....can we still say low or do we automatically have to say moderate?

One of the lists we have is the one that lists almost every country as potentially high for money laundering...is this the one we are to use or the OFAC lists that have a number but far less than the Dept. of State's list...? We do some wires in a few of the surprisingly risky countries and I was wondering how we should rate that, low or moderate 9And I mean a very few wires!). Thanks!