Betsy Layne, KY
How exposed is Betsy Layne to wildfire?
Out of every US place USFS scores, Betsy Layne lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 467 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Betsy Layne at the 96th percentile, close to its 94th-percentile risk score.
Where Betsy Layne's buildings actually sit
Direct exposure dominates in Betsy Layne: 53.3% of its 467 buildings, versus 46.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Betsy Layne ranks
Betsy Layne's risk sits at a similar level relative to Kentucky (99th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Betsy Layne ranks 1,917 for wildfire risk (1 is highest) and 17,938 by building count (1 is largest). Within Kentucky alone, it ranks 8 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Betsy Layne
Betsy Layne's 94th-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.
Hardening a home in Betsy Layne
Because Direct exposure dominates in Betsy Layne (53.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Betsy Layne's figures come from
Every one of the two percentiles behind Betsy Layne's 1,917-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Betsy Layne's dominant direct exposure actually means, with real examples from across the dataset.