Liberty, KY
Liberty, KY's wildfire risk, in USFS's own numbers
USFS scores Liberty at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,162 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Liberty's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Liberty (54.2% of 1,162 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 45.8% sit in the Direct zone.
Liberty against the rest of the country
Compare Liberty's two percentiles: 71st within Kentucky, only 42nd nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Liberty ranks 18,211 for wildfire risk (1 is highest) and 10,879 by building count (1 is largest). Within Kentucky alone, it ranks 162 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Liberty and the insurance market
Liberty's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Liberty
With ember exposure the dominant pattern in Liberty (54.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Liberty's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Liberty, see the exposure-zones guide.