Covington, KY
How exposed is Covington to wildfire?
Covington sits at the 13th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 15,834 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Covington at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Covington's building exposure, zone by zone
USFS classifies 52% of Covington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.9% Direct and 32.1% Indirect — a landscape-level risk rather than a building-by-building one. At 15,834 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Covington ranks
Covington scores 13th nationally and 21st within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Covington ranks 27,419 for wildfire risk (1 is highest) and 929 by building count (1 is largest). Within Kentucky alone, it ranks 437 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
Covington's low wildfire rating (13th 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 52% of buildings rated Minimal exposure, Covington gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Covington's figures come from
The methodology guide shows exactly how USFS turned 15,834 counted buildings into the percentiles shown above for Covington. The exposure-zones guide covers what Covington's dominant minimal exposure actually means, with real examples from across the dataset.