Cloverport, KY
Cloverport wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cloverport at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 732 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 Cloverport at the 28th percentile, close to its 26th-percentile risk score.
Where Cloverport's buildings actually sit
Direct exposure dominates in Cloverport: 56.8% of its 732 buildings, versus 42.6% Indirect and 0.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cloverport against the rest of the country
Cloverport's 48th-percentile standing inside Kentucky outpaces its 26th 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, Cloverport ranks 23,445 for wildfire risk (1 is highest) and 14,308 by building count (1 is largest). Within Kentucky alone, it ranks 286 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Cloverport and the insurance market
Cloverport's moderate wildfire rating (26th 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.
Lowering exposure, not just insuring around it
Cloverport's 56.8% 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
Every one of the two percentiles behind Cloverport's 23,445-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cloverport, see the exposure-zones guide.