Wellington, KY
Wellington wildfire risk explained
USFS's Wildfire Risk to Communities model puts Wellington at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 373 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wellington's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
What "at risk" means for the buildings here
Only 9.9% of Wellington's 373 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Wellington against the rest of the country
There's little gap between Wellington's 10th national percentile and its 7th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wellington ranks 28,367 for wildfire risk (1 is highest) and 19,803 by building count (1 is largest). Within Kentucky alone, it ranks 517 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Wellington
Wellington's low wildfire rating (10th 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
Even with 90.1% of Wellington outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Wellington's 28,367-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Wellington, see the exposure-zones guide.