McKee, KY
McKee wildfire risk explained
McKee sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 411 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts McKee at the 87th percentile, close to its 84th-percentile risk score.
McKee's building exposure, zone by zone
411 buildings are counted in McKee, and 87.8% 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.
McKee against the rest of the country
There's little gap between McKee's 84th national percentile and its 86th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, McKee ranks 5,167 for wildfire risk (1 is highest) and 19,006 by building count (1 is largest). Within Kentucky alone, it ranks 78 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
McKee's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
McKee's 87.8% 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.
More on how this number was built
McKee's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond McKee, see the exposure-zones guide.