Adairville, KY
How exposed is Adairville to wildfire?
Adairville sits at the 5th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 559 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Adairville at the 5th percentile, close to its 5th-percentile risk score.
Adairville's building exposure, zone by zone
Adairville rates 73.5% Minimal exposure against just 26.5% Direct and 0% Indirect — of 559 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Adairville compares
Adairville's risk sits at a similar level relative to Kentucky (1st percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Adairville ranks 29,950 for wildfire risk (1 is highest) and 16,421 by building count (1 is largest). Within Kentucky alone, it ranks 546 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Adairville and the insurance market
Adairville's low wildfire rating (5th 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
Adairville's 73.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Adairville's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Adairville, see the exposure-zones guide.