Camargo, KY
Camargo, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Camargo at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 774 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camargo at the 57th percentile, close to its 53rd-percentile risk score.
Where Camargo's buildings actually sit
774 buildings are counted in Camargo, and 61% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Camargo ranks
Compare Camargo's two percentiles: 79th within Kentucky, only 53rd nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Camargo ranks 14,804 for wildfire risk (1 is highest) and 13,880 by building count (1 is largest). Within Kentucky alone, it ranks 114 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 53rd national percentile, Camargo 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
Camargo's 61% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Camargo's figures come from
Camargo's 53rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Camargo's dominant direct exposure actually means, with real examples from across the dataset.