Coldwater, KS
Coldwater, KS's wildfire risk, in USFS's own numbers
USFS scores Coldwater at the 100th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 746 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coldwater's burn probability — fire likelihood with no building count factored in — sits at the 100th percentile nationally.
Where Coldwater's buildings actually sit
USFS puts 78.6% of Coldwater's 746 buildings in the Indirect exposure zone, versus 20.8% Direct and 0.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Coldwater compares
There's little gap between Coldwater's 100th national percentile and its 100th percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coldwater ranks 134 for wildfire risk (1 is highest) and 14,162 by building count (1 is largest). Within Kansas alone, it ranks 1 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Coldwater and the insurance market
At the 100th percentile nationally, Coldwater carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Coldwater
Coldwater's 78.6% 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
Coldwater's 100th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Coldwater, see the exposure-zones guide.