Cold Spring, KY
Cold Spring wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cold Spring at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,045 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cold Spring at the 17th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Cold Spring: 62.6% of its 2,045 buildings, versus 37.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cold Spring ranks
There's little gap between Cold Spring's 16th national percentile and its 25th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cold Spring ranks 26,562 for wildfire risk (1 is highest) and 7,341 by building count (1 is largest). Within Kentucky alone, it ranks 412 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Cold Spring
Cold Spring's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Cold Spring
With 62.6% of Cold Spring 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
Cold Spring's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cold Spring, see the exposure-zones guide.