St. Mary, MO
St. Mary, MO's wildfire risk, in USFS's own numbers
USFS scores St. Mary at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 228 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Mary at the 38th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Mary's buildings actually sit
228 buildings are counted in St. Mary, and 64.5% of them are Indirect exposure — ember-driven risk rather than the 35.5% in Direct exposure or the 0% rated Minimal.
St. Mary against the rest of the country
St. Mary's 36th national percentile looks worse in isolation than its 12th ranking inside Missouri does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, St. Mary ranks 20,072 for wildfire risk (1 is highest) and 23,862 by building count (1 is largest). Within Missouri alone, it ranks 938 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in St. Mary
St. Mary's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because 64.5% of St. Mary's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where St. Mary's figures come from
The methodology guide shows exactly how USFS turned 228 counted buildings into the percentiles shown above for St. Mary. The exposure-zones guide covers what St. Mary's dominant indirect exposure actually means, with real examples from across the dataset.