Florence, KY
How exposed is Florence to wildfire?
USFS's Wildfire Risk to Communities model puts Florence at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 8,453 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Florence at the 14th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
Most of Florence's buildings (62% of 8,453) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 8,453 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Florence ranks
Florence's risk sits at a similar level relative to Kentucky (20th percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Florence ranks 27,479 for wildfire risk (1 is highest) and 1,970 by building count (1 is largest). Within Kentucky alone, it ranks 439 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
Florence's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 62% of Florence outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Florence's figures come from
The methodology guide shows exactly how USFS turned 8,453 counted buildings into the percentiles shown above for Florence. The exposure-zones guide covers what Florence's dominant minimal exposure actually means, with real examples from across the dataset.