Park City, KY
Park City wildfire risk explained
USFS scores Park City at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 402 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Park City's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Where Park City's buildings actually sit
402 buildings are counted in Park City, and 71.9% 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.
How Park City compares
Within Kentucky, Park City ranks higher (62nd percentile) than it does nationally (34th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Park City ranks 20,955 for wildfire risk (1 is highest) and 19,167 by building count (1 is largest). Within Kentucky alone, it ranks 212 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
Park City's moderate wildfire rating (34th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Park City (71.9%), 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
The methodology guide shows exactly how USFS turned 402 counted buildings into the percentiles shown above for Park City. For more on what direct exposure implies beyond Park City, see the exposure-zones guide.