Leitchfield, KY
How exposed is Leitchfield to wildfire?
USFS's Wildfire Risk to Communities model puts Leitchfield at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,482 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Leitchfield at the 34th percentile, close to its 32nd-percentile risk score.
What "at risk" means for the buildings here
3,482 buildings are counted in Leitchfield, and 52.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.7% rated Minimal.
Leitchfield against the rest of the country
Within Kentucky, Leitchfield ranks higher (59th percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Leitchfield ranks 21,551 for wildfire risk (1 is highest) and 4,791 by building count (1 is largest). Within Kentucky alone, it ranks 229 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
Leitchfield's moderate wildfire rating (32nd 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 Leitchfield
Because Direct exposure dominates in Leitchfield (52.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Leitchfield's figures come from
The methodology guide shows exactly how USFS turned 3,482 counted buildings into the percentiles shown above for Leitchfield. The exposure-zones guide covers what Leitchfield's dominant direct exposure actually means, with real examples from across the dataset.