Coxton, KY
How exposed is Coxton to wildfire?
USFS's Wildfire Risk to Communities model puts Coxton at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 103 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coxton's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Coxton (55.3% of 103 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.7% sit in the Direct zone.
Where Coxton ranks
There's little gap between Coxton's 91st national percentile and its 92nd percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coxton ranks 2,990 for wildfire risk (1 is highest) and 28,896 by building count (1 is largest). Within Kentucky alone, it ranks 43 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
Coxton's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 55.3% of Coxton's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Coxton's figures come from
The methodology guide shows exactly how USFS turned 103 counted buildings into the percentiles shown above for Coxton. The exposure-zones guide covers what Coxton's dominant indirect exposure actually means, with real examples from across the dataset.