LaFayette, KY
How exposed is LaFayette to wildfire?
Out of every US place USFS scores, LaFayette lands at the 27th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 172 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks LaFayette at the 28th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where LaFayette's buildings actually sit
Direct exposure dominates in LaFayette: 65.7% of its 172 buildings, versus 34.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where LaFayette ranks
Within Kentucky, LaFayette ranks higher (51st percentile) than it does nationally (27th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, LaFayette ranks 23,098 for wildfire risk (1 is highest) and 25,937 by building count (1 is largest). Within Kentucky alone, it ranks 274 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
At the 27th national percentile, LaFayette rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
LaFayette's 65.7% 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.
More on how this number was built
LaFayette's 27th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond LaFayette, see the exposure-zones guide.