Waverly, KY
How exposed is Waverly to wildfire?
Waverly's 224 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Waverly at the 4th percentile, close to its 4th-percentile risk score.
Waverly's building exposure, zone by zone
Of Waverly's 224 counted buildings, 55.4% carry Direct exposure and only 44.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Waverly ranks
Waverly scores 4th nationally and 0th 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, Waverly ranks 30,264 for wildfire risk (1 is highest) and 23,981 by building count (1 is largest). Within Kentucky alone, it ranks 550 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Waverly
Waverly's low wildfire rating (4th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 55.4% of Waverly in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Waverly's figures come from
The methodology guide shows exactly how USFS turned 224 counted buildings into the percentiles shown above for Waverly. The exposure-zones guide covers what Waverly's dominant direct exposure actually means, with real examples from across the dataset.