Flat Lick, KY
How exposed is Flat Lick to wildfire?
USFS's Wildfire Risk to Communities model puts Flat Lick at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 706 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Flat Lick at the 94th percentile, close to its 91st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 76.5% of Flat Lick's buildings as Direct exposure, higher than its 23.5% Indirect share and far above its 0% Minimal share — a profile where 540 structures sit close enough to vegetation that lot clearing matters most.
Flat Lick against the rest of the country
Flat Lick's risk sits at a similar level relative to Kentucky (93rd percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Flat Lick ranks 2,928 for wildfire risk (1 is highest) and 14,594 by building count (1 is largest). Within Kentucky alone, it ranks 42 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Flat Lick and the insurance market
Flat Lick's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Flat Lick (76.5%), 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 706 counted buildings into the percentiles shown above for Flat Lick. For more on what direct exposure implies beyond Flat Lick, see the exposure-zones guide.