Calvert City, KY
How exposed is Calvert City to wildfire?
Calvert City sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,539 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Calvert City's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where Calvert City's buildings actually sit
USFS classifies 53.4% of Calvert City's buildings as Direct exposure, higher than its 17.6% Indirect share and far above its 29% Minimal share — a profile where 1,355 structures sit close enough to vegetation that lot clearing matters most.
Where Calvert City ranks
Within Kentucky, Calvert City ranks higher (74th percentile) than it does nationally (45th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Calvert City ranks 17,391 for wildfire risk (1 is highest) and 6,228 by building count (1 is largest). Within Kentucky alone, it ranks 143 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Calvert City
At the 45th national percentile, Calvert City rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Calvert City (53.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Calvert City's figures come from
The methodology guide shows exactly how USFS turned 2,539 counted buildings into the percentiles shown above for Calvert City. The exposure-zones guide covers what Calvert City's dominant direct exposure actually means, with real examples from across the dataset.