McHenry, KY
How exposed is McHenry to wildfire?
McHenry's 306 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McHenry at the 47th 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
306 buildings are counted in McHenry, and 87.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where McHenry ranks
Compare McHenry's two percentiles: 74th within Kentucky, only 45th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, McHenry ranks 17,450 for wildfire risk (1 is highest) and 21,469 by building count (1 is largest). Within Kentucky alone, it ranks 147 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
McHenry's elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in McHenry
With 87.6% of McHenry in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where McHenry's figures come from
McHenry's 45th-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 McHenry's dominant direct exposure actually means, with real examples from across the dataset.