Carrollton, KY
How exposed is Carrollton to wildfire?
USFS's Wildfire Risk to Communities model puts Carrollton at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,927 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 Carrollton at the 24th percentile, close to its 22nd-percentile risk score.
Carrollton's building exposure, zone by zone
USFS puts 74.3% of Carrollton's 1,927 buildings in the Indirect exposure zone, versus 25.6% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Carrollton compares
Compare Carrollton's two percentiles: 39th within Kentucky, only 22nd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carrollton ranks 24,579 for wildfire risk (1 is highest) and 7,690 by building count (1 is largest). Within Kentucky alone, it ranks 335 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 22nd national percentile, Carrollton rates moderate 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 74.3% of Carrollton'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 Carrollton's figures come from
Every one of the two percentiles behind Carrollton's 24,579-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Carrollton's dominant indirect exposure actually means, with real examples from across the dataset.