Spivey, KS
Spivey wildfire risk explained
Spivey sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 114 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spivey at the 94th percentile, close to its 93rd-percentile risk score.
Where Spivey's buildings actually sit
Most of Spivey's buildings (62.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Spivey compares
Spivey scores 93rd nationally and 94th 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, Spivey ranks 2,136 for wildfire risk (1 is highest) and 28,453 by building count (1 is largest). Within Kansas alone, it ranks 45 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Spivey and the insurance market
Spivey's very high rating (93rd 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
Spivey's 62.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Spivey's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Spivey, see the exposure-zones guide.