Cawood, KY
Cawood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cawood at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 428 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cawood at the 92nd percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
428 buildings are counted in Cawood, and 59.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Cawood against the rest of the country
Cawood's risk sits at a similar level relative to Kentucky (91st percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cawood ranks 3,119 for wildfire risk (1 is highest) and 18,691 by building count (1 is largest). Within Kentucky alone, it ranks 50 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Cawood
At the 90th percentile nationally, Cawood carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Cawood's 59.4% 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 428 counted buildings into the percentiles shown above for Cawood. For more on what direct exposure implies beyond Cawood, see the exposure-zones guide.