Graymoor-Devondale, KY
Graymoor-Devondale, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Graymoor-Devondale at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,128 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Graymoor-Devondale's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Graymoor-Devondale's buildings actually sit
Most of Graymoor-Devondale's buildings (66.1% of 1,128) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Graymoor-Devondale ranks
Graymoor-Devondale's risk sits at a similar level relative to Kentucky (10th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Graymoor-Devondale ranks 28,204 for wildfire risk (1 is highest) and 11,094 by building count (1 is largest). Within Kentucky alone, it ranks 494 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
Graymoor-Devondale's low wildfire rating (11th 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.
Lowering exposure, not just insuring around it
Even with 66.1% of Graymoor-Devondale outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,128 counted buildings into the percentiles shown above for Graymoor-Devondale. For more on what minimal exposure implies beyond Graymoor-Devondale, see the exposure-zones guide.