Carlisle, KY
Carlisle wildfire risk explained
Carlisle sits at the 34th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,182 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Carlisle at the 36th national percentile — 2 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
59.6% of Carlisle's 1,182 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 40.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Carlisle compares
Compare Carlisle's two percentiles: 63rd within Kentucky, only 34th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carlisle ranks 20,891 for wildfire risk (1 is highest) and 10,754 by building count (1 is largest). Within Kentucky alone, it ranks 206 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Carlisle
Carlisle's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 59.6% of Carlisle's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Carlisle's figures come from
The methodology guide shows exactly how USFS turned 1,182 counted buildings into the percentiles shown above for Carlisle. The exposure-zones guide covers what Carlisle's dominant indirect exposure actually means, with real examples from across the dataset.