Farley, KY
Farley, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Farley at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,922 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farley's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
Farley's building exposure, zone by zone
2,922 buildings are counted in Farley, and 74.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 20.6% rated Minimal.
Farley against the rest of the country
Compare Farley's two percentiles: 65th within Kentucky, only 37th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Farley ranks 19,849 for wildfire risk (1 is highest) and 5,549 by building count (1 is largest). Within Kentucky alone, it ranks 193 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 37th national percentile, Farley rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Farley
With 74.3% of Farley 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.
More on how this number was built
Farley's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Farley, see the exposure-zones guide.