Coldiron, KY
How exposed is Coldiron to wildfire?
Coldiron sits at the 91st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 163 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coldiron's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
Most of Coldiron's buildings (66.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Coldiron against the rest of the country
Coldiron's risk sits at a similar level relative to Kentucky (93rd percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Coldiron ranks 2,893 for wildfire risk (1 is highest) and 26,284 by building count (1 is largest). Within Kentucky alone, it ranks 39 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Coldiron and the insurance market
Coldiron's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Coldiron (66.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 163 counted buildings into the percentiles shown above for Coldiron. For more on what indirect exposure implies beyond Coldiron, see the exposure-zones guide.