St. Catharine, MO
How exposed is St. Catharine to wildfire?
USFS's Wildfire Risk to Communities model puts St. Catharine at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 84 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Catharine's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
St. Catharine's building exposure, zone by zone
84.5% of St. Catharine's 84 buildings sit in USFS's Direct exposure zone, roughly 71 structures close enough to burnable vegetation for flame contact, not just embers — 15.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How St. Catharine compares
St. Catharine's risk sits at a similar level relative to Missouri (82nd percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Catharine ranks 9,455 for wildfire risk (1 is highest) and 29,735 by building count (1 is largest). Within Missouri alone, it ranks 190 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in St. Catharine
St. Catharine's high rating (70th 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.
What would actually reduce this score
St. Catharine's 84.5% 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 St. Catharine's figures come from
St. Catharine's 70th-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 St. Catharine's dominant direct exposure actually means, with real examples from across the dataset.