Jamestown, KY
Jamestown wildfire risk explained
Out of every US place USFS scores, Jamestown lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,233 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jamestown at the 51st percentile, close to its 48th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Jamestown: 79.2% of its 1,233 buildings, versus 20.4% Indirect and 0.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Jamestown ranks
Jamestown's 76th-percentile standing inside Kentucky outpaces its 48th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Jamestown ranks 16,448 for wildfire risk (1 is highest) and 10,451 by building count (1 is largest). Within Kentucky alone, it ranks 131 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
Jamestown's elevated wildfire rating (48th 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 Jamestown
Jamestown's 79.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Jamestown's figures come from
Jamestown's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Jamestown's dominant direct exposure actually means, with real examples from across the dataset.