St. Thomas, MO
St. Thomas, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Thomas at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 190 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Thomas at the 66th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
190 buildings are counted in St. Thomas, and 75.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How St. Thomas compares
St. Thomas scores 64th nationally and 66th within Missouri — 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. Thomas ranks 11,384 for wildfire risk (1 is highest) and 25,251 by building count (1 is largest). Within Missouri alone, it ranks 362 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
St. Thomas's 64th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in St. Thomas
With 75.8% of St. Thomas 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. Thomas's figures come from
Every one of the two percentiles behind St. Thomas's 11,384-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Thomas's dominant direct exposure actually means, with real examples from across the dataset.