Lexington-Fayette, KY
Lexington-Fayette, KY's wildfire risk, in USFS's own numbers
Lexington-Fayette sits at the 31st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 123,842 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lexington-Fayette at the 34th percentile, close to its 31st-percentile risk score.
Where Lexington-Fayette's buildings actually sit
Only 24% of Lexington-Fayette's 123,842 buildings carry Direct exposure and 26.8% carry Indirect; the remaining 49.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 123,842 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lexington-Fayette compares
Within Kentucky, Lexington-Fayette ranks higher (58th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lexington-Fayette ranks 21,616 for wildfire risk (1 is highest) and 52 by building count (1 is largest). Within Kentucky alone, it ranks 230 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
Lexington-Fayette's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Lexington-Fayette's 49.2% 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.
More on how this number was built
Lexington-Fayette's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lexington-Fayette, see the exposure-zones guide.