McLouth, KS
McLouth wildfire risk explained
McLouth's 498 buildings earn a 70th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts McLouth at the 70th percentile, close to its 70th-percentile risk score.
McLouth's building exposure, zone by zone
Only 36.6% of McLouth's 498 buildings carry Direct exposure and 21.1% carry Indirect; the remaining 42.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where McLouth ranks
McLouth scores 70th nationally and 67th within Kansas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, McLouth ranks 9,607 for wildfire risk (1 is highest) and 17,387 by building count (1 is largest). Within Kansas alone, it ranks 243 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
McLouth's high rating (70th 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
With 42.4% of buildings rated Minimal exposure, McLouth 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
McLouth's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond McLouth, see the exposure-zones guide.