Spearville, KS
Spearville, KS's wildfire risk, in USFS's own numbers
USFS scores Spearville at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 531 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spearville's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Spearville's building exposure, zone by zone
531 buildings are counted in Spearville, and 90.4% of them are Indirect exposure — ember-driven risk rather than the 9.6% in Direct exposure or the 0% rated Minimal.
Where Spearville ranks
Spearville's 47th national percentile looks worse in isolation than its 25th ranking inside Kansas does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Spearville ranks 16,729 for wildfire risk (1 is highest) and 16,848 by building count (1 is largest). Within Kansas alone, it ranks 543 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Shopping for coverage in Spearville
Spearville's elevated wildfire rating (47th 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.
Hardening a home in Spearville
With ember exposure the dominant pattern in Spearville (90.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Spearville's figures come from
Spearville's 47th-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 Spearville's dominant indirect exposure actually means, with real examples from across the dataset.