Ladue, MO
How exposed is Ladue to wildfire?
Ladue's 4,431 buildings earn a 46th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ladue at the 50th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 17.1% of Ladue's 4,431 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Ladue ranks
Ladue ranks lower within Missouri (25th percentile statewide) than its 46th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ladue ranks 16,960 for wildfire risk (1 is highest) and 3,850 by building count (1 is largest). Within Missouri alone, it ranks 791 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Ladue and the insurance market
Ladue's elevated wildfire rating (46th 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.
What would actually reduce this score
Ladue's 82.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,431 counted buildings into the percentiles shown above for Ladue. For more on what minimal exposure implies beyond Ladue, see the exposure-zones guide.