St. Charles, KY
St. Charles wildfire risk explained
St. Charles's 218 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Charles at the 45th percentile, close to its 43rd-percentile risk score.
Where St. Charles's buildings actually sit
218 buildings are counted in St. Charles, and 90.8% 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.
Where St. Charles ranks
Compare St. Charles's two percentiles: 72nd within Kentucky, only 43rd nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, St. Charles ranks 17,927 for wildfire risk (1 is highest) and 24,199 by building count (1 is largest). Within Kentucky alone, it ranks 153 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
St. Charles and the insurance market
At the 43rd national percentile, St. Charles rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in St. Charles
St. Charles's 90.8% 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
Every one of the two percentiles behind St. Charles's 17,927-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond St. Charles, see the exposure-zones guide.