Bellemeade, KY
Bellemeade, KY's wildfire risk, in USFS's own numbers
USFS scores Bellemeade at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 462 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bellemeade at the 13th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bellemeade's buildings actually sit
462 buildings are counted in Bellemeade, and 57.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 42.9% rated Minimal.
How Bellemeade compares
Bellemeade's risk sits at a similar level relative to Kentucky (11th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bellemeade ranks 28,203 for wildfire risk (1 is highest) and 18,027 by building count (1 is largest). Within Kentucky alone, it ranks 493 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
Bellemeade's low wildfire rating (11th 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 Bellemeade
Bellemeade's 57.1% 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 462 counted buildings into the percentiles shown above for Bellemeade. For more on what direct exposure implies beyond Bellemeade, see the exposure-zones guide.