Owenton, KY
Owenton, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Owenton lands at the 25th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 761 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Owenton's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Where Owenton's buildings actually sit
Of Owenton's 761 counted buildings, 73.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Owenton against the rest of the country
Compare Owenton's two percentiles: 47th within Kentucky, only 25th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Owenton ranks 23,730 for wildfire risk (1 is highest) and 14,006 by building count (1 is largest). Within Kentucky alone, it ranks 297 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Owenton and the insurance market
Owenton's moderate wildfire rating (25th 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 Owenton
With 73.3% of Owenton in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Owenton's figures come from
Owenton's 25th-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 Owenton's dominant direct exposure actually means, with real examples from across the dataset.