Artemus, KY
Artemus wildfire risk explained
Out of every US place USFS scores, Artemus lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 405 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Artemus at the 92nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Artemus's buildings actually sit
USFS classifies 59.3% of Artemus's buildings as Direct exposure, higher than its 40.7% Indirect share and far above its 0% Minimal share — a profile where 240 structures sit close enough to vegetation that lot clearing matters most.
How Artemus compares
Artemus's risk sits at a similar level relative to Kentucky (89th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Artemus ranks 3,401 for wildfire risk (1 is highest) and 19,121 by building count (1 is largest). Within Kentucky alone, it ranks 58 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
Artemus's very high rating (89th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Artemus
Because Direct exposure dominates in Artemus (59.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Artemus's 3,401-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Artemus, see the exposure-zones guide.