Troy, KS
How exposed is Troy to wildfire?
USFS scores Troy at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 713 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Troy at the 56th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Troy's building exposure, zone by zone
85.4% of Troy's 713 buildings sit in USFS's Minimal exposure zone, with only 14.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Troy ranks
Troy scores 56th nationally and 44th 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, Troy ranks 13,900 for wildfire risk (1 is highest) and 14,528 by building count (1 is largest). Within Kansas alone, it ranks 406 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Shopping for coverage in Troy
Troy's elevated wildfire rating (56th 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
Even with 85.4% of Troy outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Troy's figures come from
Troy's 56th-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 Troy's dominant minimal exposure actually means, with real examples from across the dataset.