Stanford, KY
Stanford wildfire risk explained
Stanford's 2,112 buildings earn a 49th-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 Stanford at the 52nd percentile, close to its 49th-percentile risk score.
Where Stanford's buildings actually sit
Of Stanford's 2,112 counted buildings, 65.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Stanford against the rest of the country
Within Kentucky, Stanford ranks higher (77th percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stanford ranks 16,099 for wildfire risk (1 is highest) and 7,158 by building count (1 is largest). Within Kentucky alone, it ranks 128 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
At the 49th national percentile, Stanford 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 Stanford
Stanford's 65.6% 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.
Where Stanford's figures come from
Stanford's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Stanford's dominant direct exposure actually means, with real examples from across the dataset.