Dover, KY
Dover wildfire risk explained
Dover sits at the 28th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 221 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 Dover at the 30th percentile, close to its 28th-percentile risk score.
Dover's building exposure, zone by zone
USFS puts 57.9% of Dover's 221 buildings in the Indirect exposure zone, versus 42.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Dover compares
Dover's 52nd-percentile standing inside Kentucky outpaces its 28th 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, Dover ranks 22,849 for wildfire risk (1 is highest) and 24,078 by building count (1 is largest). Within Kentucky alone, it ranks 264 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
Dover's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Dover's 57.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Dover's figures come from
Every one of the two percentiles behind Dover's 22,849-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Dover's dominant indirect exposure actually means, with real examples from across the dataset.