St. Cloud, MO
St. Cloud wildfire risk explained
St. Cloud's 97 buildings earn a 66th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (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. Cloud at the 68th percentile, close to its 66th-percentile risk score.
What "at risk" means for the buildings here
75.3% of St. Cloud's 97 buildings sit in USFS's Direct exposure zone, roughly 73 structures close enough to burnable vegetation for flame contact, not just embers — 24.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How St. Cloud compares
St. Cloud's risk sits at a similar level relative to Missouri (72nd percentile statewide) as it does nationally (66th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Cloud ranks 10,753 for wildfire risk (1 is highest) and 29,184 by building count (1 is largest). Within Missouri alone, it ranks 303 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
St. Cloud and the insurance market
At the 66th percentile nationally, St. Cloud carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
St. Cloud's 75.3% 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 St. Cloud's figures come from
Every one of the two percentiles behind St. Cloud's 10,753-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Cloud's dominant direct exposure actually means, with real examples from across the dataset.