Brooksville, KY
Brooksville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Brooksville at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 380 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Brooksville at the 26th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Brooksville's building exposure, zone by zone
65.5% of Brooksville's 380 buildings sit in USFS's Direct exposure zone, roughly 249 structures close enough to burnable vegetation for flame contact, not just embers — 34.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Brooksville compares
Brooksville's 43rd-percentile standing inside Kentucky outpaces its 23rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Brooksville ranks 24,138 for wildfire risk (1 is highest) and 19,645 by building count (1 is largest). Within Kentucky alone, it ranks 313 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
Brooksville's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Brooksville (65.5%), 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
The methodology guide shows exactly how USFS turned 380 counted buildings into the percentiles shown above for Brooksville. For more on what direct exposure implies beyond Brooksville, see the exposure-zones guide.