Warsaw, KY
How exposed is Warsaw to wildfire?
Warsaw sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 712 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Warsaw's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
What "at risk" means for the buildings here
USFS puts 65.3% of Warsaw's 712 buildings in the Indirect exposure zone, versus 34% Direct and 0.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Warsaw against the rest of the country
Warsaw scores 21st nationally and 35th 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, Warsaw ranks 24,928 for wildfire risk (1 is highest) and 14,537 by building count (1 is largest). Within Kentucky alone, it ranks 357 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
Warsaw's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Warsaw
With ember exposure the dominant pattern in Warsaw (65.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 712 counted buildings into the percentiles shown above for Warsaw. For more on what indirect exposure implies beyond Warsaw, see the exposure-zones guide.