White Plains, KY
White Plains wildfire risk explained
White Plains sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 673 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Plains's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
What "at risk" means for the buildings here
93.5% of White Plains's 673 buildings sit in USFS's Direct exposure zone, roughly 629 structures close enough to burnable vegetation for flame contact, not just embers — 6.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How White Plains compares
Compare White Plains's two percentiles: 74th within Kentucky, only 45th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, White Plains ranks 17,393 for wildfire risk (1 is highest) and 14,941 by building count (1 is largest). Within Kentucky alone, it ranks 145 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
White Plains's elevated wildfire rating (45th 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 93.5% of White Plains 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.
More on how this number was built
Every one of the two percentiles behind White Plains's 17,393-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond White Plains, see the exposure-zones guide.