Worthington, KY
Worthington, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Worthington at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 973 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Worthington's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
What "at risk" means for the buildings here
Most of Worthington's buildings (86.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Worthington compares
Compare Worthington's two percentiles: 79th within Kentucky, only 52nd nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Worthington ranks 15,031 for wildfire risk (1 is highest) and 12,119 by building count (1 is largest). Within Kentucky alone, it ranks 118 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Worthington and the insurance market
Worthington's elevated wildfire rating (52nd 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.
Hardening a home in Worthington
Worthington's 86.1% 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.
Where Worthington's figures come from
The methodology guide shows exactly how USFS turned 973 counted buildings into the percentiles shown above for Worthington. The exposure-zones guide covers what Worthington's dominant indirect exposure actually means, with real examples from across the dataset.