McCarr, KY
McCarr wildfire risk explained
McCarr's 103 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McCarr at the 96th national percentile — 2 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
Most of McCarr's buildings (77.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
McCarr against the rest of the country
McCarr's risk sits at a similar level relative to Kentucky (99th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, McCarr ranks 1,797 for wildfire risk (1 is highest) and 28,897 by building count (1 is largest). Within Kentucky alone, it ranks 5 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
McCarr and the insurance market
McCarr's 94th-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
Because 77.7% of McCarr's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
McCarr's 94th-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 McCarr, see the exposure-zones guide.