Chaplin, KY
How exposed is Chaplin to wildfire?
Chaplin sits at the 30th 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 400 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chaplin at the 32nd 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
Direct exposure dominates in Chaplin: 93.5% of its 400 buildings, versus 6.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Chaplin against the rest of the country
Within Kentucky, Chaplin ranks higher (57th percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Chaplin ranks 22,086 for wildfire risk (1 is highest) and 19,208 by building count (1 is largest). Within Kentucky alone, it ranks 240 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Chaplin
Chaplin's moderate rating (30th 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
With 93.5% of Chaplin in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Chaplin's 22,086-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chaplin, see the exposure-zones guide.