Fenton, MO
How exposed is Fenton to wildfire?
USFS's Wildfire Risk to Communities model puts Fenton at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,243 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fenton at the 41st percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
Most of Fenton's buildings (87.1% of 2,243) 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.
Fenton against the rest of the country
Fenton's 39th national percentile looks worse in isolation than its 14th 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, Fenton ranks 19,225 for wildfire risk (1 is highest) and 6,831 by building count (1 is largest). Within Missouri alone, it ranks 916 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
Fenton's moderate wildfire rating (39th 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 Fenton
Even with 87.1% of Fenton 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
The methodology guide shows exactly how USFS turned 2,243 counted buildings into the percentiles shown above for Fenton. For more on what minimal exposure implies beyond Fenton, see the exposure-zones guide.