Arjay, KY
How exposed is Arjay to wildfire?
USFS's Wildfire Risk to Communities model puts Arjay at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 165 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arjay at the 93rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
60.6% of Arjay's 165 buildings sit in USFS's Direct exposure zone, roughly 100 structures close enough to burnable vegetation for flame contact, not just embers — 39.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Arjay against the rest of the country
There's little gap between Arjay's 90th national percentile and its 92nd percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Arjay ranks 3,053 for wildfire risk (1 is highest) and 26,218 by building count (1 is largest). Within Kentucky alone, it ranks 47 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
Arjay's 90th-percentile, very 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.
What would actually reduce this score
Because Direct exposure dominates in Arjay (60.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 165 counted buildings into the percentiles shown above for Arjay. For more on what direct exposure implies beyond Arjay, see the exposure-zones guide.