St. Louis, OK
St. Louis wildfire risk explained
USFS's Wildfire Risk to Communities model puts St. Louis at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 242 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Louis at the 97th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Louis's buildings actually sit
Direct exposure dominates in St. Louis: 93% of its 242 buildings, versus 7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
St. Louis against the rest of the country
St. Louis's risk sits at a similar level relative to Oklahoma (84th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Louis ranks 1,330 for wildfire risk (1 is highest) and 23,400 by building count (1 is largest). Within Oklahoma alone, it ranks 133 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
St. Louis's very high rating (96th 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 93% of St. Louis in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where St. Louis's figures come from
Every one of the two percentiles behind St. Louis's 1,330-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Louis's dominant direct exposure actually means, with real examples from across the dataset.