University City, MO
University City wildfire risk explained
University City's 13,844 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, University City's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where University City's buildings actually sit
Most of University City's buildings (99.4% of 13,844) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 13,844 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
University City against the rest of the country
University City ranks lower within Missouri (20th percentile statewide) than its 43rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, University City ranks 17,839 for wildfire risk (1 is highest) and 1,093 by building count (1 is largest). Within Missouri alone, it ranks 852 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in University City
University City's elevated rating (43rd 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
Even with 99.4% of University City outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where University City's figures come from
University City's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what University City's dominant minimal exposure actually means, with real examples from across the dataset.