Forest Hills, KY
Forest Hills wildfire risk explained
Forest Hills's 283 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Forest Hills at the 11th percentile, close to its 9th-percentile risk score.
What "at risk" means for the buildings here
Forest Hills rates 64.3% Minimal exposure against just 35.7% Direct and 0% Indirect — of 283 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Forest Hills compares
There's little gap between Forest Hills's 9th national percentile and its 3rd percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Forest Hills ranks 28,612 for wildfire risk (1 is highest) and 22,088 by building count (1 is largest). Within Kentucky alone, it ranks 534 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
Forest Hills's low wildfire rating (9th 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.
Lowering exposure, not just insuring around it
Even with 64.3% of Forest Hills 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 283 counted buildings into the percentiles shown above for Forest Hills. For more on what minimal exposure implies beyond Forest Hills, see the exposure-zones guide.