Crossgate, KY
Crossgate wildfire risk explained
USFS's Wildfire Risk to Communities model puts Crossgate at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 100 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crossgate's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Where Crossgate's buildings actually sit
USFS classifies 64% of Crossgate's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 36% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Crossgate ranks
Crossgate scores 12th nationally and 17th 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, Crossgate ranks 27,794 for wildfire risk (1 is highest) and 29,032 by building count (1 is largest). Within Kentucky alone, it ranks 459 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
Crossgate's low wildfire rating (12th 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
With 64% of buildings rated Minimal exposure, Crossgate gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Crossgate's figures come from
Crossgate's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Crossgate's dominant minimal exposure actually means, with real examples from across the dataset.