Masonville, KY
How exposed is Masonville to wildfire?
Out of every US place USFS scores, Masonville lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 850 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Masonville at the 12th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Masonville's 850 counted buildings, 61.1% carry Direct exposure and only 38.9% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Masonville ranks
Masonville scores 12th nationally and 18th 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, Masonville ranks 27,670 for wildfire risk (1 is highest) and 13,157 by building count (1 is largest). Within Kentucky alone, it ranks 453 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
Masonville's low wildfire rating (12th 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 Masonville
Masonville's 61.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Masonville's figures come from
Masonville's 12th-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 Masonville's dominant direct exposure actually means, with real examples from across the dataset.