Farmers, KY
Farmers, KY's wildfire risk, in USFS's own numbers
Farmers sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 243 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 Farmers at the 53rd percentile, close to its 50th-percentile risk score.
Farmers's building exposure, zone by zone
243 buildings are counted in Farmers, and 85.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Farmers compares
Within Kentucky, Farmers ranks higher (78th percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Farmers ranks 15,628 for wildfire risk (1 is highest) and 23,361 by building count (1 is largest). Within Kentucky alone, it ranks 124 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
Farmers's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Farmers (85.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 243 counted buildings into the percentiles shown above for Farmers. For more on what direct exposure implies beyond Farmers, see the exposure-zones guide.