Centertown, KY
Centertown, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Centertown lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 272 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Centertown's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Where Centertown's buildings actually sit
Direct exposure dominates in Centertown: 90.1% of its 272 buildings, versus 9.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Centertown compares
Centertown's 69th-percentile standing inside Kentucky outpaces its 41st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Centertown ranks 18,558 for wildfire risk (1 is highest) and 22,439 by building count (1 is largest). Within Kentucky alone, it ranks 171 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
Centertown's elevated wildfire rating (41st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Centertown (90.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Centertown's 41st-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 Centertown, see the exposure-zones guide.