Chesterfield, MO
Chesterfield, MO's wildfire risk, in USFS's own numbers
Chesterfield sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 16,242 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chesterfield at the 52nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Chesterfield's building exposure, zone by zone
Most of Chesterfield's buildings (57.9% of 16,242) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 16,242 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Chesterfield ranks
Chesterfield ranks lower within Missouri (33rd percentile statewide) than its 50th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Chesterfield ranks 15,788 for wildfire risk (1 is highest) and 895 by building count (1 is largest). Within Missouri alone, it ranks 716 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
Chesterfield's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Chesterfield
Even with 57.9% of Chesterfield outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Chesterfield's figures come from
Chesterfield's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Chesterfield's dominant minimal exposure actually means, with real examples from across the dataset.