Concord, KY
How exposed is Concord to wildfire?
USFS's Wildfire Risk to Communities model puts Concord at the 43rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 37 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Concord at the 45th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Concord's building exposure, zone by zone
64.9% of Concord's 37 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 35.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Concord against the rest of the country
Compare Concord's two percentiles: 72nd within Kentucky, only 43rd nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Concord ranks 18,023 for wildfire risk (1 is highest) and 31,230 by building count (1 is largest). Within Kentucky alone, it ranks 156 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
Concord's elevated wildfire rating (43rd 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
With ember exposure the dominant pattern in Concord (64.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Concord's figures come from
Every one of the two percentiles behind Concord's 18,023-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Concord's dominant indirect exposure actually means, with real examples from across the dataset.