Gilbertsville, KY
Gilbertsville, KY's wildfire risk, in USFS's own numbers
Gilbertsville's 342 buildings earn a 40th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gilbertsville at the 42nd percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
Of Gilbertsville's 342 counted buildings, 83% carry Direct exposure and only 0.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Gilbertsville compares
Compare Gilbertsville's two percentiles: 68th within Kentucky, only 40th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gilbertsville ranks 18,903 for wildfire risk (1 is highest) and 20,515 by building count (1 is largest). Within Kentucky alone, it ranks 178 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Gilbertsville and the insurance market
Gilbertsville's moderate wildfire rating (40th 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
Gilbertsville's 83% 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 Gilbertsville's 18,903-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Gilbertsville, see the exposure-zones guide.