Crayne, KY
How exposed is Crayne to wildfire?
USFS scores Crayne at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 165 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crayne's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where Crayne's buildings actually sit
Direct exposure dominates in Crayne: 85.5% of its 165 buildings, versus 14.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Crayne against the rest of the country
Compare Crayne's two percentiles: 52nd within Kentucky, only 27th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Crayne ranks 22,877 for wildfire risk (1 is highest) and 26,219 by building count (1 is largest). Within Kentucky alone, it ranks 265 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
Crayne's moderate wildfire rating (27th 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.
What would actually reduce this score
Crayne's 85.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Crayne's 27th-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 Crayne, see the exposure-zones guide.