Middletown, KY
Middletown, KY's wildfire risk, in USFS's own numbers
Middletown sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 3,891 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Middletown at the 16th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Middletown's buildings actually sit
Middletown rates 56.5% Minimal exposure against just 38.7% Direct and 4.8% Indirect — of 3,891 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Middletown compares
Middletown's risk sits at a similar level relative to Kentucky (24th percentile statewide) as it does nationally (15th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Middletown ranks 26,883 for wildfire risk (1 is highest) and 4,344 by building count (1 is largest). Within Kentucky alone, it ranks 422 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
Middletown's low wildfire rating (15th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Middletown
Middletown's 56.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Middletown's figures come from
Middletown's 15th-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 Middletown's dominant minimal exposure actually means, with real examples from across the dataset.