Coldstream, KY
How exposed is Coldstream to wildfire?
USFS's Wildfire Risk to Communities model puts Coldstream at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 524 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coldstream's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Coldstream's buildings actually sit
524 buildings are counted in Coldstream, and 80.7% of them are Indirect exposure — ember-driven risk rather than the 19.3% in Direct exposure or the 0% rated Minimal.
How Coldstream compares
There's little gap between Coldstream's 11th national percentile and its 14th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coldstream ranks 28,014 for wildfire risk (1 is highest) and 16,962 by building count (1 is largest). Within Kentucky alone, it ranks 475 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Coldstream and the insurance market
Coldstream's low wildfire rating (11th 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.
Hardening a home in Coldstream
Because 80.7% of Coldstream's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Coldstream's figures come from
Every one of the two percentiles behind Coldstream's 28,014-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coldstream's dominant indirect exposure actually means, with real examples from across the dataset.