Monument, KS
How exposed is Monument to wildfire?
Monument sits at the 31st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 108 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monument's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Where Monument's buildings actually sit
63% of Monument's 108 buildings sit in USFS's Minimal exposure zone, with only 37% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Monument compares
Inside Kansas, Monument sits at just the 10th percentile even though it scores 31st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Monument ranks 21,647 for wildfire risk (1 is highest) and 28,694 by building count (1 is largest). Within Kansas alone, it ranks 647 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
Monument's moderate wildfire rating (31st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 63% of buildings rated Minimal exposure, Monument gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Monument's figures come from
Monument's 31st-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 Monument's dominant minimal exposure actually means, with real examples from across the dataset.