Neal, KS
How exposed is Neal to wildfire?
USFS's Wildfire Risk to Communities model puts Neal at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 69 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Neal's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Neal's building exposure, zone by zone
63.8% of Neal's 69 buildings sit in USFS's Direct exposure zone, roughly 44 structures close enough to burnable vegetation for flame contact, not just embers — 36.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Neal compares
Neal's risk sits at a similar level relative to Kansas (98th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Neal ranks 970 for wildfire risk (1 is highest) and 30,307 by building count (1 is largest). Within Kansas alone, it ranks 14 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
At the 97th percentile nationally, Neal carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Neal
Neal's 63.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Neal's figures come from
Every one of the two percentiles behind Neal's 970-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Neal's dominant direct exposure actually means, with real examples from across the dataset.