Virgie, KY
Virgie, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Virgie at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 184 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Virgie's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Virgie's building exposure, zone by zone
Direct exposure dominates in Virgie: 76.1% of its 184 buildings, versus 23.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Virgie compares
Virgie scores 93rd nationally and 98th 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, Virgie ranks 2,138 for wildfire risk (1 is highest) and 25,462 by building count (1 is largest). Within Kentucky alone, it ranks 15 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Virgie and the insurance market
Virgie's very high rating (93rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Virgie (76.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Virgie's figures come from
The methodology guide shows exactly how USFS turned 184 counted buildings into the percentiles shown above for Virgie. The exposure-zones guide covers what Virgie's dominant direct exposure actually means, with real examples from across the dataset.