Haddam, KS
Haddam, KS's wildfire risk, in USFS's own numbers
Haddam sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 165 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Haddam at the 73rd percentile, close to its 79th-percentile risk score.
Where Haddam's buildings actually sit
81.8% of Haddam's 165 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 18.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Haddam against the rest of the country
Haddam's risk sits at a similar level relative to Kansas (78th percentile statewide) as it does nationally (79th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Haddam ranks 6,588 for wildfire risk (1 is highest) and 26,216 by building count (1 is largest). Within Kansas alone, it ranks 161 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
Haddam's 79th-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.
What would actually reduce this score
Haddam's 81.8% 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 Haddam's figures come from
Haddam's 79th-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 Haddam's dominant indirect exposure actually means, with real examples from across the dataset.