Wilmore, KY
How exposed is Wilmore to wildfire?
Out of every US place USFS scores, Wilmore lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,822 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wilmore at the 32nd percentile, close to its 30th-percentile risk score.
Wilmore's building exposure, zone by zone
USFS puts 60% of Wilmore's 1,822 buildings in the Indirect exposure zone, versus 40% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Wilmore against the rest of the country
Wilmore's 56th-percentile standing inside Kentucky outpaces its 30th 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, Wilmore ranks 22,117 for wildfire risk (1 is highest) and 7,998 by building count (1 is largest). Within Kentucky alone, it ranks 241 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
At the 30th national percentile, Wilmore rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Wilmore's 60% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,822 counted buildings into the percentiles shown above for Wilmore. For more on what indirect exposure implies beyond Wilmore, see the exposure-zones guide.