Kelly, WY
Kelly wildfire risk explained
USFS's Wildfire Risk to Communities model puts Kelly at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 97 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kelly at the 86th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Kelly: 100% of its 97 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Kelly against the rest of the country
There's little gap between Kelly's 88th national percentile and its 84th percentile inside Wyoming, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kelly ranks 3,767 for wildfire risk (1 is highest) and 29,209 by building count (1 is largest). Within Wyoming alone, it ranks 32 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
What this risk score means for insurance
Kelly's very high rating (88th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Kelly (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Kelly's 3,767-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Kelly, see the exposure-zones guide.