Campbellsville, KY
Campbellsville wildfire risk explained
USFS scores Campbellsville at the 26th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 5,394 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Campbellsville at the 28th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Campbellsville's building exposure, zone by zone
37.6% of Campbellsville's 5,394 buildings sit in USFS's Direct exposure zone, roughly 2,029 structures close enough to burnable vegetation for flame contact, not just embers — 29.1% fall in the Indirect, ember-only zone and 33.2% are Minimal. At 5,394 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Campbellsville ranks
Compare Campbellsville's two percentiles: 48th within Kentucky, only 26th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Campbellsville ranks 23,479 for wildfire risk (1 is highest) and 3,201 by building count (1 is largest). Within Kentucky alone, it ranks 287 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Campbellsville
At the 26th national percentile, Campbellsville rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Campbellsville's 37.6% 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.
Where Campbellsville's figures come from
Every one of the two percentiles behind Campbellsville's 23,479-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Campbellsville's dominant direct exposure actually means, with real examples from across the dataset.