Allen, KY
Allen, KY's wildfire risk, in USFS's own numbers
Allen's 122 buildings earn a 92nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Allen at the 94th percentile, close to its 92nd-percentile risk score.
Allen's building exposure, zone by zone
73% of Allen's 122 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 27.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Allen ranks
Allen's risk sits at a similar level relative to Kentucky (94th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Allen ranks 2,612 for wildfire risk (1 is highest) and 28,062 by building count (1 is largest). Within Kentucky alone, it ranks 32 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
At the 92nd percentile nationally, Allen carries the very 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
Allen's 73% 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
Every one of the two percentiles behind Allen's 2,612-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Allen, see the exposure-zones guide.