Upton, KY
How exposed is Upton to wildfire?
Out of every US place USFS scores, Upton lands at the 32nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 549 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Upton's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
Upton's building exposure, zone by zone
84.2% of Upton's 549 buildings sit in USFS's Direct exposure zone, roughly 462 structures close enough to burnable vegetation for flame contact, not just embers — 15.9% fall in the Indirect, ember-only zone and 0% are Minimal.
How Upton compares
Upton's 60th-percentile standing inside Kentucky outpaces its 32nd 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, Upton ranks 21,360 for wildfire risk (1 is highest) and 16,584 by building count (1 is largest). Within Kentucky alone, it ranks 222 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Upton
Upton's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Upton (84.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Upton's figures come from
Upton's 32nd-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 Upton's dominant direct exposure actually means, with real examples from across the dataset.