London, KY
How exposed is London to wildfire?
USFS scores London at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,535 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, London's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in London (42.9% of 4,535 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.2% sit in the Direct zone.
Where London ranks
London scores 88th nationally and 87th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, London ranks 3,876 for wildfire risk (1 is highest) and 3,763 by building count (1 is largest). Within Kentucky alone, it ranks 71 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
London's 88th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
London's 42.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where London's figures come from
Every one of the two percentiles behind London's 3,876-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what London's dominant indirect exposure actually means, with real examples from across the dataset.