Saverton, MO
Saverton, MO's wildfire risk, in USFS's own numbers
USFS scores Saverton at the 60th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 137 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Saverton at the 63rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Saverton's building exposure, zone by zone
88.3% of Saverton's 137 buildings sit in USFS's Direct exposure zone, roughly 121 structures close enough to burnable vegetation for flame contact, not just embers — 11.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Saverton compares
Saverton scores 60th nationally and 57th 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, Saverton ranks 12,486 for wildfire risk (1 is highest) and 27,406 by building count (1 is largest). Within Missouri alone, it ranks 460 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Saverton and the insurance market
Saverton's 60th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Saverton
Saverton's 88.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Saverton's figures come from
Every one of the two percentiles behind Saverton's 12,486-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Saverton's dominant direct exposure actually means, with real examples from across the dataset.