Annville, KY
Annville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Annville at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 847 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Annville at the 96th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
92.1% of Annville's 847 buildings sit in USFS's Direct exposure zone, roughly 780 structures close enough to burnable vegetation for flame contact, not just embers — 7.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Annville against the rest of the country
Annville scores 93rd nationally and 96th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Annville ranks 2,364 for wildfire risk (1 is highest) and 13,191 by building count (1 is largest). Within Kentucky alone, it ranks 24 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Annville and the insurance market
At the 93rd percentile nationally, Annville carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 92.1% of Annville 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
Annville's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Annville, see the exposure-zones guide.