Albany, KY
Albany wildfire risk explained
Albany sits at the 61st 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 1,395 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Albany at the 66th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Albany's buildings actually sit
USFS puts 60.4% of Albany's 1,395 buildings in the Indirect exposure zone, versus 39.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Albany ranks
Within Kentucky, Albany ranks higher (82nd percentile) than it does nationally (61st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Albany ranks 12,162 for wildfire risk (1 is highest) and 9,651 by building count (1 is largest). Within Kentucky alone, it ranks 98 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Albany and the insurance market
At the 61st percentile nationally, Albany carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 60.4% of Albany's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Albany's 12,162-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Albany, see the exposure-zones guide.