Beaver Dam, KY
How exposed is Beaver Dam to wildfire?
USFS scores Beaver Dam at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,930 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beaver Dam's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Where Beaver Dam's buildings actually sit
Of Beaver Dam's 1,930 counted buildings, 46.1% carry Direct exposure and only 22.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Beaver Dam ranks
Compare Beaver Dam's two percentiles: 59th within Kentucky, only 32nd nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Beaver Dam ranks 21,550 for wildfire risk (1 is highest) and 7,680 by building count (1 is largest). Within Kentucky alone, it ranks 228 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Beaver Dam
Beaver Dam's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Beaver Dam's 46.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,930 counted buildings into the percentiles shown above for Beaver Dam. For more on what direct exposure implies beyond Beaver Dam, see the exposure-zones guide.