Philpot, KY
How exposed is Philpot to wildfire?
USFS scores Philpot at the 13th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 674 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Philpot at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
80.4% of Philpot's 674 buildings sit in USFS's Direct exposure zone, roughly 542 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 19.6% are Minimal.
Philpot against the rest of the country
Philpot's risk sits at a similar level relative to Kentucky (21st percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Philpot ranks 27,324 for wildfire risk (1 is highest) and 14,933 by building count (1 is largest). Within Kentucky alone, it ranks 436 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Philpot
Philpot's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Philpot
Because Direct exposure dominates in Philpot (80.4%), 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 674 counted buildings into the percentiles shown above for Philpot. For more on what direct exposure implies beyond Philpot, see the exposure-zones guide.