Morgantown, KY
Morgantown, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Morgantown lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,310 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morgantown's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Morgantown's building exposure, zone by zone
1,310 buildings are counted in Morgantown, and 55.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Morgantown against the rest of the country
Within Kentucky, Morgantown ranks higher (64th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Morgantown ranks 20,416 for wildfire risk (1 is highest) and 10,021 by building count (1 is largest). Within Kentucky alone, it ranks 201 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
Morgantown's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Morgantown (55.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Morgantown's 35th-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 Morgantown, see the exposure-zones guide.