Alma, KS
Alma wildfire risk explained
Out of every US place USFS scores, Alma lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 558 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Alma's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Alma's building exposure, zone by zone
Indirect exposure is dominant in Alma (88.9% of 558 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.1% sit in the Direct zone.
Alma against the rest of the country
There's little gap between Alma's 93rd national percentile and its 93rd percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Alma ranks 2,331 for wildfire risk (1 is highest) and 16,439 by building count (1 is largest). Within Kansas alone, it ranks 49 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
What this risk score means for insurance
Alma's very high rating (93rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Alma
Alma's 88.9% 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.
Where Alma's figures come from
The methodology guide shows exactly how USFS turned 558 counted buildings into the percentiles shown above for Alma. The exposure-zones guide covers what Alma's dominant indirect exposure actually means, with real examples from across the dataset.