Crofton, KY
Crofton wildfire risk explained
USFS scores Crofton at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 473 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Crofton at the 36th 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 Crofton: 69.8% of its 473 buildings, versus 30.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Crofton ranks
Crofton's 62nd-percentile standing inside Kentucky outpaces its 34th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Crofton ranks 20,954 for wildfire risk (1 is highest) and 17,824 by building count (1 is largest). Within Kentucky alone, it ranks 211 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Crofton
Crofton's moderate rating (34th 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
Because Direct exposure dominates in Crofton (69.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Crofton's figures come from
The methodology guide shows exactly how USFS turned 473 counted buildings into the percentiles shown above for Crofton. The exposure-zones guide covers what Crofton's dominant direct exposure actually means, with real examples from across the dataset.