Cynthiana, KY
Cynthiana wildfire risk explained
Cynthiana's 3,117 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cynthiana's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Cynthiana's buildings actually sit
USFS puts 77.6% of Cynthiana's 3,117 buildings in the Indirect exposure zone, versus 22.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Cynthiana ranks
There's little gap between Cynthiana's 20th national percentile and its 34th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cynthiana ranks 25,240 for wildfire risk (1 is highest) and 5,271 by building count (1 is largest). Within Kentucky alone, it ranks 366 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
Cynthiana's low wildfire rating (20th 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
Cynthiana's 77.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,117 counted buildings into the percentiles shown above for Cynthiana. For more on what indirect exposure implies beyond Cynthiana, see the exposure-zones guide.