Goff, KS
Goff wildfire risk explained
Out of every US place USFS scores, Goff lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 118 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Goff's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
What "at risk" means for the buildings here
70.3% of Goff's 118 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Goff compares
Goff's risk sits at a similar level relative to Kansas (85th percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Goff ranks 4,787 for wildfire risk (1 is highest) and 28,244 by building count (1 is largest). Within Kansas alone, it ranks 110 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 85th percentile nationally, Goff 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.
Lowering exposure, not just insuring around it
Goff's 70.3% 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 Goff's figures come from
Goff's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Goff's dominant indirect exposure actually means, with real examples from across the dataset.