Cambridge, KY
Cambridge wildfire risk explained
Cambridge's 99 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cambridge's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Cambridge's building exposure, zone by zone
Direct exposure dominates in Cambridge: 93.9% of its 99 buildings, versus 0% Indirect and 6.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cambridge ranks
Cambridge's risk sits at a similar level relative to Kentucky (9th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cambridge ranks 28,270 for wildfire risk (1 is highest) and 29,082 by building count (1 is largest). Within Kentucky alone, it ranks 502 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
Cambridge's low wildfire rating (10th 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.
What would actually reduce this score
With 93.9% of Cambridge 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
The methodology guide shows exactly how USFS turned 99 counted buildings into the percentiles shown above for Cambridge. For more on what direct exposure implies beyond Cambridge, see the exposure-zones guide.