South Carrollton, KY
How exposed is South Carrollton to wildfire?
South Carrollton sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 141 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts South Carrollton at the 45th percentile, close to its 43rd-percentile risk score.
South Carrollton's building exposure, zone by zone
Direct exposure dominates in South Carrollton: 61% of its 141 buildings, versus 39% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How South Carrollton compares
South Carrollton's 72nd-percentile standing inside Kentucky outpaces its 43rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, South Carrollton ranks 17,958 for wildfire risk (1 is highest) and 27,254 by building count (1 is largest). Within Kentucky alone, it ranks 155 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
South Carrollton's elevated wildfire rating (43rd 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
South Carrollton's 61% 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
South Carrollton's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond South Carrollton, see the exposure-zones guide.