Cecilia, KY
Cecilia wildfire risk explained
Cecilia's 447 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cecilia's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Cecilia's building exposure, zone by zone
447 buildings are counted in Cecilia, and 81.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 18.1% rated Minimal.
Where Cecilia ranks
There's little gap between Cecilia's 10th national percentile and its 8th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cecilia ranks 28,333 for wildfire risk (1 is highest) and 18,331 by building count (1 is largest). Within Kentucky alone, it ranks 508 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
Cecilia's low wildfire rating (10th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Cecilia's 81.9% 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.
More on how this number was built
Cecilia's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cecilia, see the exposure-zones guide.