Sedalia, KY
Sedalia wildfire risk explained
Sedalia's 259 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sedalia's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Sedalia's building exposure, zone by zone
259 buildings are counted in Sedalia, and 68.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 31.3% rated Minimal.
How Sedalia compares
Sedalia scores 10th nationally and 9th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Sedalia ranks 28,302 for wildfire risk (1 is highest) and 22,853 by building count (1 is largest). Within Kentucky alone, it ranks 507 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
Sedalia's low wildfire rating (10th 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 Sedalia (68.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Sedalia's figures come from
Every one of the two percentiles behind Sedalia's 28,302-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Sedalia's dominant direct exposure actually means, with real examples from across the dataset.