North Middletown, KY
North Middletown, KY's wildfire risk, in USFS's own numbers
USFS scores North Middletown at the 41st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 373 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Middletown's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
North Middletown's building exposure, zone by zone
Direct exposure dominates in North Middletown: 55% of its 373 buildings, versus 45% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where North Middletown ranks
Compare North Middletown's two percentiles: 68th within Kentucky, only 41st nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, North Middletown ranks 18,744 for wildfire risk (1 is highest) and 19,802 by building count (1 is largest). Within Kentucky alone, it ranks 176 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
North Middletown's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
North Middletown's 55% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind North Middletown's 18,744-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond North Middletown, see the exposure-zones guide.