Wingo, KY
Wingo wildfire risk explained
Out of every US place USFS scores, Wingo lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 411 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wingo at the 29th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Wingo's building exposure, zone by zone
Of Wingo's 411 counted buildings, 75.9% carry Direct exposure and only 24.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Wingo compares
Compare Wingo's two percentiles: 53rd within Kentucky, only 28th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Wingo ranks 22,685 for wildfire risk (1 is highest) and 19,008 by building count (1 is largest). Within Kentucky alone, it ranks 258 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
Wingo'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
With 75.9% of Wingo 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.
Where Wingo's figures come from
The methodology guide shows exactly how USFS turned 411 counted buildings into the percentiles shown above for Wingo. The exposure-zones guide covers what Wingo's dominant direct exposure actually means, with real examples from across the dataset.