McKinney, KY
How exposed is McKinney to wildfire?
McKinney sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 225 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 McKinney at the 50th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in McKinney: 58.7% of its 225 buildings, versus 41.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How McKinney compares
Compare McKinney's two percentiles: 76th within Kentucky, only 47th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, McKinney ranks 16,763 for wildfire risk (1 is highest) and 23,944 by building count (1 is largest). Within Kentucky alone, it ranks 136 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
McKinney and the insurance market
McKinney's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in McKinney (58.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
McKinney's 47th-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 McKinney, see the exposure-zones guide.