Culver, KS
Culver wildfire risk explained
Out of every US place USFS scores, Culver lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 130 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Culver at the 59th percentile, close to its 67th-percentile risk score.
Where Culver's buildings actually sit
Only 13.1% of Culver's 130 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Culver against the rest of the country
Culver's risk sits at a similar level relative to Kansas (63rd percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Culver ranks 10,301 for wildfire risk (1 is highest) and 27,714 by building count (1 is largest). Within Kansas alone, it ranks 266 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
Culver's 67th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 86.9% of buildings rated Minimal exposure, Culver gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Culver's 10,301-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Culver, see the exposure-zones guide.