Somerset, KS
Somerset wildfire risk explained
Somerset sits at the 62nd 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 80 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Somerset's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where Somerset's buildings actually sit
USFS classifies 100% of Somerset's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 80 structures sit close enough to vegetation that lot clearing matters most.
How Somerset compares
Somerset's risk sits at a similar level relative to Kansas (55th percentile statewide) as it does nationally (62nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Somerset ranks 12,098 for wildfire risk (1 is highest) and 29,879 by building count (1 is largest). Within Kansas alone, it ranks 327 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
Somerset's high rating (62nd 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.
What would actually reduce this score
Somerset's 100% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 80 counted buildings into the percentiles shown above for Somerset. For more on what direct exposure implies beyond Somerset, see the exposure-zones guide.