Cumberland, KY
How exposed is Cumberland to wildfire?
Cumberland 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 1,122 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cumberland at the 93rd percentile, close to its 91st-percentile risk score.
Cumberland's building exposure, zone by zone
USFS puts 80.6% of Cumberland's 1,122 buildings in the Indirect exposure zone, versus 19.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Cumberland against the rest of the country
There's little gap between Cumberland's 91st national percentile and its 94th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cumberland ranks 2,734 for wildfire risk (1 is highest) and 11,137 by building count (1 is largest). Within Kentucky alone, it ranks 36 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Cumberland
Cumberland'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.
Hardening a home in Cumberland
Because 80.6% of Cumberland'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.
More on how this number was built
Cumberland's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cumberland, see the exposure-zones guide.