Mayfield, KY
Mayfield wildfire risk explained
Mayfield sits at the 28th 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 5,233 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mayfield at the 30th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Mayfield's buildings actually sit
58.1% of Mayfield's 5,233 buildings sit in USFS's Minimal exposure zone, with only 41.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,233 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Mayfield ranks
Within Kentucky, Mayfield ranks higher (55th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mayfield ranks 22,531 for wildfire risk (1 is highest) and 3,295 by building count (1 is largest). Within Kentucky alone, it ranks 251 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
At the 28th national percentile, Mayfield rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 58.1% of Mayfield outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Mayfield's figures come from
The methodology guide shows exactly how USFS turned 5,233 counted buildings into the percentiles shown above for Mayfield. The exposure-zones guide covers what Mayfield's dominant minimal exposure actually means, with real examples from across the dataset.