St. Andrews, SC
St. Andrews, SC's wildfire risk, in USFS's own numbers
St. Andrews sits at the 61st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 5,652 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Andrews at the 64th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Andrews's buildings actually sit
Most of St. Andrews's buildings (60.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 5,652 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How St. Andrews compares
St. Andrews's 61st national percentile looks worse in isolation than its 20th ranking inside South Carolina does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, St. Andrews ranks 12,423 for wildfire risk (1 is highest) and 3,058 by building count (1 is largest). Within South Carolina alone, it ranks 378 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
Shopping for coverage in St. Andrews
St. Andrews's high rating (61st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in St. Andrews (60.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
St. Andrews's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond St. Andrews, see the exposure-zones guide.