Elkton, KY
Elkton wildfire risk explained
USFS scores Elkton at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,262 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elkton at the 22nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Elkton's buildings actually sit
1,262 buildings are counted in Elkton, and 49.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 32.7% rated Minimal.
Elkton against the rest of the country
Elkton scores 21st nationally and 36th 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, Elkton ranks 24,861 for wildfire risk (1 is highest) and 10,283 by building count (1 is largest). Within Kentucky alone, it ranks 354 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Elkton
Elkton's moderate wildfire rating (21st 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
With 49.5% of Elkton in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Elkton's figures come from
Every one of the two percentiles behind Elkton's 24,861-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elkton's dominant direct exposure actually means, with real examples from across the dataset.