McRoberts, KY
McRoberts wildfire risk explained
USFS's Wildfire Risk to Communities model puts McRoberts at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 511 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McRoberts's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in McRoberts: 100% of its 511 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where McRoberts ranks
McRoberts scores 95th nationally and 100th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, McRoberts ranks 1,544 for wildfire risk (1 is highest) and 17,158 by building count (1 is largest). Within Kentucky alone, it ranks 3 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
McRoberts's 95th-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.
What would actually reduce this score
McRoberts's 100% 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.
Where McRoberts's figures come from
McRoberts's 95th-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 McRoberts's dominant direct exposure actually means, with real examples from across the dataset.