Bandana, KY
Bandana wildfire risk explained
Out of every US place USFS scores, Bandana lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 206 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bandana at the 7th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Bandana's buildings actually sit
Most of Bandana's buildings (51% of 206) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Bandana compares
Bandana scores 7th nationally and 2nd within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Bandana ranks 29,187 for wildfire risk (1 is highest) and 24,638 by building count (1 is largest). Within Kentucky alone, it ranks 539 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Bandana
Bandana's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Bandana
With 51% of buildings rated Minimal exposure, Bandana gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bandana's figures come from
The methodology guide shows exactly how USFS turned 206 counted buildings into the percentiles shown above for Bandana. The exposure-zones guide covers what Bandana's dominant minimal exposure actually means, with real examples from across the dataset.