Dexter, KY
Dexter, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Dexter at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 194 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dexter at the 41st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Dexter's buildings actually sit
90.2% of Dexter's 194 buildings sit in USFS's Direct exposure zone, roughly 175 structures close enough to burnable vegetation for flame contact, not just embers — 0.5% fall in the Indirect, ember-only zone and 9.3% are Minimal.
How Dexter compares
Dexter's 67th-percentile standing inside Kentucky outpaces its 40th 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, Dexter ranks 19,060 for wildfire risk (1 is highest) and 25,074 by building count (1 is largest). Within Kentucky alone, it ranks 180 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
At the 40th national percentile, Dexter rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Dexter's 90.2% 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.
Where Dexter's figures come from
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Dexter. The exposure-zones guide covers what Dexter's dominant direct exposure actually means, with real examples from across the dataset.