Fairfield, KY
Fairfield wildfire risk explained
Fairfield sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 128 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fairfield at the 26th percentile, close to its 24th-percentile risk score.
Fairfield's building exposure, zone by zone
Direct exposure dominates in Fairfield: 75% of its 128 buildings, versus 25% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Fairfield compares
Compare Fairfield's two percentiles: 45th within Kentucky, only 24th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fairfield ranks 23,985 for wildfire risk (1 is highest) and 27,800 by building count (1 is largest). Within Kentucky alone, it ranks 306 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Fairfield and the insurance market
At the 24th national percentile, Fairfield 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
Because Direct exposure dominates in Fairfield (75%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fairfield's figures come from
The methodology guide shows exactly how USFS turned 128 counted buildings into the percentiles shown above for Fairfield. The exposure-zones guide covers what Fairfield's dominant direct exposure actually means, with real examples from across the dataset.