Ste. Genevieve, MO
Ste. Genevieve wildfire risk explained
Ste. Genevieve sits at the 20th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,341 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ste. Genevieve's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Ste. Genevieve's building exposure, zone by zone
Indirect exposure is dominant in Ste. Genevieve (57.5% of 2,341 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.6% sit in the Direct zone.
Where Ste. Genevieve ranks
Ste. Genevieve scores 20th nationally and 7th 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, Ste. Genevieve ranks 25,155 for wildfire risk (1 is highest) and 6,624 by building count (1 is largest). Within Missouri alone, it ranks 988 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
At the 20th national percentile, Ste. Genevieve rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Ste. Genevieve
Ste. Genevieve's 57.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,341 counted buildings into the percentiles shown above for Ste. Genevieve. For more on what indirect exposure implies beyond Ste. Genevieve, see the exposure-zones guide.