Elizabethtown, KY
Elizabethtown, KY's wildfire risk, in USFS's own numbers
USFS scores Elizabethtown at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 12,327 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elizabethtown at the 26th 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
12,327 buildings are counted in Elizabethtown, and 41.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 34.3% rated Minimal. At 12,327 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Elizabethtown against the rest of the country
Within Kentucky, Elizabethtown ranks higher (46th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Elizabethtown ranks 23,827 for wildfire risk (1 is highest) and 1,255 by building count (1 is largest). Within Kentucky alone, it ranks 300 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Elizabethtown and the insurance market
Elizabethtown's moderate wildfire rating (24th 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.
Lowering exposure, not just insuring around it
Elizabethtown's 41.3% 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
The methodology guide shows exactly how USFS turned 12,327 counted buildings into the percentiles shown above for Elizabethtown. For more on what direct exposure implies beyond Elizabethtown, see the exposure-zones guide.