Monticello, KY
Monticello, KY's wildfire risk, in USFS's own numbers
Monticello's 3,485 buildings earn a 64th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monticello at the 67th percentile, close to its 64th-percentile risk score.
Monticello's building exposure, zone by zone
3,485 buildings are counted in Monticello, and 74.7% of them are Indirect exposure — ember-driven risk rather than the 25.3% in Direct exposure or the 0% rated Minimal.
Monticello against the rest of the country
Monticello's 84th-percentile standing inside Kentucky outpaces its 64th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Monticello ranks 11,344 for wildfire risk (1 is highest) and 4,786 by building count (1 is largest). Within Kentucky alone, it ranks 92 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Monticello and the insurance market
At the 64th percentile nationally, Monticello carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Monticello
With ember exposure the dominant pattern in Monticello (74.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Monticello's figures come from
Monticello's 64th-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 Monticello's dominant indirect exposure actually means, with real examples from across the dataset.