Derby, KS
How exposed is Derby to wildfire?
Derby's 9,307 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Derby's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Derby's building exposure, zone by zone
Only 9.2% of Derby's 9,307 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 9,307 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Derby against the rest of the country
There's little gap between Derby's 82nd national percentile and its 81st percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Derby ranks 5,575 for wildfire risk (1 is highest) and 1,768 by building count (1 is largest). Within Kansas alone, it ranks 135 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
At the 82nd percentile nationally, Derby 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.
What would actually reduce this score
Even with 90.8% of Derby 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.
More on how this number was built
Every one of the two percentiles behind Derby's 5,575-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Derby, see the exposure-zones guide.