Germantown, KY
Germantown wildfire risk explained
Germantown's 127 buildings earn a 25th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Germantown at the 28th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Germantown's buildings actually sit
Of Germantown's 127 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Germantown ranks
Within Kentucky, Germantown ranks higher (48th percentile) than it does nationally (25th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Germantown ranks 23,567 for wildfire risk (1 is highest) and 27,852 by building count (1 is largest). Within Kentucky alone, it ranks 290 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
Germantown's moderate wildfire rating (25th 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.
What would actually reduce this score
Because Direct exposure dominates in Germantown (100%), 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 127 counted buildings into the percentiles shown above for Germantown. For more on what direct exposure implies beyond Germantown, see the exposure-zones guide.