Georgetown, KY
Georgetown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Georgetown at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 12,820 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Georgetown's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
USFS puts 48% of Georgetown's 12,820 buildings in the Indirect exposure zone, versus 23% Direct and 29% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 12,820 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Georgetown against the rest of the country
Georgetown's risk sits at a similar level relative to Kentucky (30th percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Georgetown ranks 25,618 for wildfire risk (1 is highest) and 1,190 by building count (1 is largest). Within Kentucky alone, it ranks 385 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Georgetown and the insurance market
Georgetown's low wildfire rating (19th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Georgetown
With ember exposure the dominant pattern in Georgetown (48% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Georgetown's figures come from
The methodology guide shows exactly how USFS turned 12,820 counted buildings into the percentiles shown above for Georgetown. The exposure-zones guide covers what Georgetown's dominant indirect exposure actually means, with real examples from across the dataset.