White Cloud, KS
How exposed is White Cloud to wildfire?
White Cloud's 180 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Cloud at the 67th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
White Cloud's building exposure, zone by zone
50% of White Cloud's 180 buildings sit in USFS's Direct exposure zone, roughly 90 structures close enough to burnable vegetation for flame contact, not just embers — 37.8% fall in the Indirect, ember-only zone and 12.2% are Minimal.
White Cloud against the rest of the country
There's little gap between White Cloud's 67th national percentile and its 62nd percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, White Cloud ranks 10,491 for wildfire risk (1 is highest) and 25,625 by building count (1 is largest). Within Kansas alone, it ranks 273 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Shopping for coverage in White Cloud
White Cloud's 67th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in White Cloud (50%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where White Cloud's figures come from
The methodology guide shows exactly how USFS turned 180 counted buildings into the percentiles shown above for White Cloud. The exposure-zones guide covers what White Cloud's dominant direct exposure actually means, with real examples from across the dataset.