Freeburn, KY
How exposed is Freeburn to wildfire?
USFS's Wildfire Risk to Communities model puts Freeburn at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 238 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 Freeburn at the 97th percentile, close to its 96th-percentile risk score.
What "at risk" means for the buildings here
100% of Freeburn's 238 buildings sit in USFS's Direct exposure zone, roughly 238 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Freeburn ranks
There's little gap between Freeburn's 96th national percentile and its 100th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Freeburn ranks 1,291 for wildfire risk (1 is highest) and 23,526 by building count (1 is largest). Within Kentucky alone, it ranks 1 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
At the 96th percentile nationally, Freeburn carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Freeburn's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Freeburn's 1,291-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Freeburn, see the exposure-zones guide.