Magnolia, KY
Magnolia wildfire risk explained
Magnolia sits at the 18th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 485 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Magnolia's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Magnolia's building exposure, zone by zone
Of Magnolia's 485 counted buildings, 91.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Magnolia against the rest of the country
There's little gap between Magnolia's 18th national percentile and its 30th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Magnolia ranks 25,743 for wildfire risk (1 is highest) and 17,610 by building count (1 is largest). Within Kentucky alone, it ranks 389 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
Magnolia's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Magnolia (91.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Magnolia's figures come from
Magnolia's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Magnolia's dominant direct exposure actually means, with real examples from across the dataset.