Morganfield, KY
Morganfield wildfire risk explained
Morganfield sits at the 6th 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 1,877 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morganfield at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Morganfield's buildings actually sit
Morganfield rates 66.2% Minimal exposure against just 31.9% Direct and 2% Indirect — of 1,877 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Morganfield against the rest of the country
Morganfield's risk sits at a similar level relative to Kentucky (2nd percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Morganfield ranks 29,532 for wildfire risk (1 is highest) and 7,830 by building count (1 is largest). Within Kentucky alone, it ranks 541 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Morganfield and the insurance market
Morganfield's low wildfire rating (6th 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 Morganfield
With 66.2% of buildings rated Minimal exposure, Morganfield gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Morganfield's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Morganfield, see the exposure-zones guide.