Henderson, KY
Henderson wildfire risk explained
USFS scores Henderson at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 12,758 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Henderson's building exposure, zone by zone
USFS classifies 74.5% of Henderson's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.4% Direct and 8.2% Indirect — a landscape-level risk rather than a building-by-building one. At 12,758 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Henderson compares
Henderson scores 11th nationally and 13th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Henderson ranks 28,049 for wildfire risk (1 is highest) and 1,199 by building count (1 is largest). Within Kentucky alone, it ranks 477 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Henderson and the insurance market
Henderson'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
Henderson's 74.5% 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 Henderson's figures come from
The methodology guide shows exactly how USFS turned 12,758 counted buildings into the percentiles shown above for Henderson. The exposure-zones guide covers what Henderson's dominant minimal exposure actually means, with real examples from across the dataset.