Carrsville, KY
How exposed is Carrsville to wildfire?
Carrsville sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 69 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carrsville's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Carrsville: 53.6% of its 69 buildings, versus 44.9% Indirect and 1.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Carrsville against the rest of the country
Within Kentucky, Carrsville ranks higher (64th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Carrsville ranks 20,386 for wildfire risk (1 is highest) and 30,309 by building count (1 is largest). Within Kentucky alone, it ranks 200 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Carrsville and the insurance market
Carrsville's moderate wildfire rating (35th 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
Because Direct exposure dominates in Carrsville (53.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Carrsville's figures come from
Carrsville's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Carrsville's dominant direct exposure actually means, with real examples from across the dataset.