Lake St. Clair, MO
How exposed is Lake St. Clair to wildfire?
Lake St. Clair sits at the 60th 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 350 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake St. Clair's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where Lake St. Clair's buildings actually sit
65.4% of Lake St. Clair's 350 buildings sit in USFS's Direct exposure zone, roughly 229 structures close enough to burnable vegetation for flame contact, not just embers — 30.9% fall in the Indirect, ember-only zone and 3.7% are Minimal.
Where Lake St. Clair ranks
Lake St. Clair scores 60th nationally and 55th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake St. Clair ranks 12,701 for wildfire risk (1 is highest) and 20,311 by building count (1 is largest). Within Missouri alone, it ranks 484 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Lake St. Clair
At the 60th national percentile, Lake St. Clair rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Lake St. Clair (65.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake St. Clair's figures come from
Every one of the two percentiles behind Lake St. Clair's 12,701-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake St. Clair's dominant direct exposure actually means, with real examples from across the dataset.