Wheelwright, KY
Wheelwright, KY's wildfire risk, in USFS's own numbers
Wheelwright sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 331 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wheelwright at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Wheelwright's buildings actually sit
81.6% of Wheelwright's 331 buildings sit in USFS's Direct exposure zone, roughly 270 structures close enough to burnable vegetation for flame contact, not just embers — 18.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Wheelwright ranks
There's little gap between Wheelwright's 93rd national percentile and its 96th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wheelwright ranks 2,267 for wildfire risk (1 is highest) and 20,793 by building count (1 is largest). Within Kentucky alone, it ranks 22 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Wheelwright
At the 93rd percentile nationally, Wheelwright carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Wheelwright (81.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Wheelwright's 2,267-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Wheelwright, see the exposure-zones guide.