Fort Thomas, KY
Fort Thomas wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fort Thomas at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 6,119 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fort Thomas at the 15th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 62.3% of Fort Thomas's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 37.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 6,119 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fort Thomas against the rest of the country
Fort Thomas's risk sits at a similar level relative to Kentucky (21st percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fort Thomas ranks 27,290 for wildfire risk (1 is highest) and 2,832 by building count (1 is largest). Within Kentucky alone, it ranks 433 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
Fort Thomas's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Fort Thomas
Fort Thomas's 62.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Fort Thomas's figures come from
Fort Thomas's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fort Thomas's dominant minimal exposure actually means, with real examples from across the dataset.