O'Fallon, MO
O'Fallon, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, O'Fallon lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 29,650 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, O'Fallon's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Where O'Fallon's buildings actually sit
USFS classifies 71.9% of O'Fallon's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.6% Direct and 20.5% Indirect — a landscape-level risk rather than a building-by-building one. At 29,650 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How O'Fallon compares
Inside Missouri, O'Fallon sits at just the 31st percentile even though it scores 49th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, O'Fallon ranks 16,106 for wildfire risk (1 is highest) and 390 by building count (1 is largest). Within Missouri alone, it ranks 736 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in O'Fallon
O'Fallon's elevated wildfire rating (49th 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 O'Fallon
O'Fallon's 71.9% 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.
Where O'Fallon's figures come from
O'Fallon's 49th-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 O'Fallon's dominant minimal exposure actually means, with real examples from across the dataset.