Muldraugh, KY
How exposed is Muldraugh to wildfire?
Out of every US place USFS scores, Muldraugh lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 476 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Muldraugh's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Muldraugh (71.6% of 476 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28.4% sit in the Direct zone.
Where Muldraugh ranks
Muldraugh's 49th-percentile standing inside Kentucky outpaces its 26th 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, Muldraugh ranks 23,416 for wildfire risk (1 is highest) and 17,780 by building count (1 is largest). Within Kentucky alone, it ranks 284 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
At the 26th national percentile, Muldraugh rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Muldraugh's 71.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Muldraugh's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Muldraugh, see the exposure-zones guide.