Olivette, MO
Olivette wildfire risk explained
Olivette sits at the 43rd 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 3,096 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Olivette at the 47th percentile, close to its 43rd-percentile risk score.
Olivette's building exposure, zone by zone
USFS classifies 93.9% of Olivette's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Olivette compares
Inside Missouri, Olivette sits at just the 19th percentile even though it scores 43rd 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, Olivette ranks 17,932 for wildfire risk (1 is highest) and 5,294 by building count (1 is largest). Within Missouri alone, it ranks 861 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
Olivette's elevated wildfire rating (43rd 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 Olivette
Even with 93.9% of Olivette 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.
Where Olivette's figures come from
Olivette's 43rd-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 Olivette's dominant minimal exposure actually means, with real examples from across the dataset.