St. Jo, TX
St. Jo, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Jo at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 656 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Jo's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where St. Jo's buildings actually sit
Indirect exposure is dominant in St. Jo (77.3% of 656 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 22.7% sit in the Direct zone.
Where St. Jo ranks
St. Jo scores 91st nationally and 86th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, St. Jo ranks 2,878 for wildfire risk (1 is highest) and 15,122 by building count (1 is largest). Within Texas alone, it ranks 254 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
At the 91st percentile nationally, St. Jo carries the very 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
With ember exposure the dominant pattern in St. Jo (77.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where St. Jo's figures come from
Every one of the two percentiles behind St. Jo's 2,878-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Jo's dominant indirect exposure actually means, with real examples from across the dataset.