Wheatcroft, KY
Wheatcroft wildfire risk explained
USFS's Wildfire Risk to Communities model puts Wheatcroft at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 125 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wheatcroft at the 29th percentile, close to its 28th-percentile risk score.
Where Wheatcroft's buildings actually sit
USFS classifies 72.8% of Wheatcroft's buildings as Direct exposure, higher than its 27.2% Indirect share and far above its 0% Minimal share — a profile where 91 structures sit close enough to vegetation that lot clearing matters most.
Where Wheatcroft ranks
Wheatcroft's 54th-percentile standing inside Kentucky outpaces its 28th 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, Wheatcroft ranks 22,622 for wildfire risk (1 is highest) and 27,944 by building count (1 is largest). Within Kentucky alone, it ranks 255 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Wheatcroft and the insurance market
Wheatcroft's moderate wildfire rating (28th 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.
What would actually reduce this score
Because Direct exposure dominates in Wheatcroft (72.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Wheatcroft's figures come from
The methodology guide shows exactly how USFS turned 125 counted buildings into the percentiles shown above for Wheatcroft. The exposure-zones guide covers what Wheatcroft's dominant direct exposure actually means, with real examples from across the dataset.