Monterey, KY
Monterey wildfire risk explained
Monterey sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 111 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 Monterey at the 23rd percentile, close to its 21st-percentile risk score.
Monterey's building exposure, zone by zone
68.5% of Monterey's 111 buildings sit in USFS's Direct exposure zone, roughly 76 structures close enough to burnable vegetation for flame contact, not just embers — 31.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Monterey compares
Within Kentucky, Monterey ranks higher (37th percentile) than it does nationally (21st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Monterey ranks 24,765 for wildfire risk (1 is highest) and 28,589 by building count (1 is largest). Within Kentucky alone, it ranks 348 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Monterey
At the 21st national percentile, Monterey rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Monterey
With 68.5% of Monterey 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.
More on how this number was built
Monterey's 21st-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 Monterey, see the exposure-zones guide.