Kelly, KS
Kelly wildfire risk explained
Kelly sits at the 77th 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 37 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kelly's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Kelly's building exposure, zone by zone
Kelly rates 70.3% Minimal exposure against just 29.7% Direct and 0% Indirect — of 37 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Kelly compares
There's little gap between Kelly's 77th national percentile and its 74th percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kelly ranks 7,405 for wildfire risk (1 is highest) and 31,227 by building count (1 is largest). Within Kansas alone, it ranks 190 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Kelly and the insurance market
Kelly's 77th-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 70.3% of buildings rated Minimal exposure, Kelly 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
The methodology guide shows exactly how USFS turned 37 counted buildings into the percentiles shown above for Kelly. For more on what minimal exposure implies beyond Kelly, see the exposure-zones guide.