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St. Thomas doesn't really have neighborhoods that are specifically oriented like in a big city, but there are sections with different appeals and styles of their own. The sections are known locally as "Estates", and the entire island is divided among many, heralding back to the days of Danish ownership.
The first thing you'll notice when you get to St. Thomas is that there will be large concentrations of people and buildings, and then there will be vast open land and practically nothing but a house every now and then. This is not a mistake. Because of St. Thomas' hilly nature, many of the developments and towns were built in areas where it is more hospitable.
An interesting "mistake" was made by Danish architects who planned the city of Charlotte Amalie as a "flat city" while at their desks in Denmark. When the steep terrain of the downtown area became known, they kept their plans and accommodated elevation differences using stone stairs, including the more well known "100 Steps" on Government Hill (not for the weak-kneed or faint of heart). You'll see exterior stairs of all heights between street levels when you walk around the city.
For the busiest and fastest pace of life on the island, you should head to Charlotte Amalie. Though it is nothing like a busy city in the United States, it is the busiest you will find in the Virgin Islands. This is nice if you want a taste of society while you are staying near the beach away from it all. However, at night the area truly does die down.
Another area of St. Thomas that is busy, though not nearly as busy, is Red Hook. This is the area where you can take frequent ferries to and from St. John and the nearby British Virgin Islands; they depart less often from the Charlotte Amalie seawall downtown. Basically a small town, Red Hook also has a major marina for sail and sportfishing boats. Because of this, there is more traffic and people continually coming and going.
There are other sections of the island, ranging from residential and hotels to remote and agricultural. Elevation differences from a high of approximately 1400 feet on St Peter Mountain to sea level, account for interesting and distinct differences in temperature, humidity, and wind levels. Sea level areas especially where the prevailing trade winds blow in from the East, tend to be drier with more rugged and colorful plants, such as bouganvillea, coconut palms and century plants. Higher elevations such as Mountain Top nurture almost rain forest greenery, with large elephant leaf philodendron, rubber and banana trees, ferns and hanging vines.