St. Charles, ID
St. Charles, ID's wildfire risk, in USFS's own numbers
St. Charles's 300 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Charles at the 86th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
97.3% of St. Charles's 300 buildings sit in USFS's Direct exposure zone, roughly 292 structures close enough to burnable vegetation for flame contact, not just embers — 2.7% fall in the Indirect, ember-only zone and 0% are Minimal.
St. Charles against the rest of the country
Inside Idaho, St. Charles sits at just the 57th percentile even though it scores 86th 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, St. Charles ranks 4,538 for wildfire risk (1 is highest) and 21,624 by building count (1 is largest). Within Idaho alone, it ranks 100 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
St. Charles's very high rating (86th 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.
Hardening a home in St. Charles
Because Direct exposure dominates in St. Charles (97.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where St. Charles's figures come from
Every one of the two percentiles behind St. Charles's 4,538-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Charles's dominant direct exposure actually means, with real examples from across the dataset.