Clayton, MO
Clayton, MO's wildfire risk, in USFS's own numbers
Clayton's 3,719 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clayton's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Where Clayton's buildings actually sit
Only 0.5% of Clayton's 3,719 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Clayton compares
Clayton's 42nd national percentile looks worse in isolation than its 17th ranking inside Missouri does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Clayton ranks 18,308 for wildfire risk (1 is highest) and 4,501 by building count (1 is largest). Within Missouri alone, it ranks 883 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Clayton and the insurance market
Clayton's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 99.5% of Clayton 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.
More on how this number was built
Every one of the two percentiles behind Clayton's 18,308-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Clayton, see the exposure-zones guide.