Ghent, KY
Ghent, KY's wildfire risk, in USFS's own numbers
Ghent sits at the 20th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 264 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 Ghent at the 22nd percentile, close to its 20th-percentile risk score.
What "at risk" means for the buildings here
63.3% of Ghent's 264 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 36.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Ghent against the rest of the country
There's little gap between Ghent's 20th national percentile and its 34th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ghent ranks 25,177 for wildfire risk (1 is highest) and 22,701 by building count (1 is largest). Within Kentucky alone, it ranks 364 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
Ghent's moderate rating (20th 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
With ember exposure the dominant pattern in Ghent (63.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 264 counted buildings into the percentiles shown above for Ghent. For more on what indirect exposure implies beyond Ghent, see the exposure-zones guide.