Guthrie, KY
Guthrie, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Guthrie lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 823 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Guthrie at the 6th percentile, close to its 6th-percentile risk score.
Guthrie's building exposure, zone by zone
57.4% of Guthrie's 823 buildings sit in USFS's Minimal exposure zone, with only 42.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Guthrie ranks
Guthrie's risk sits at a similar level relative to Kentucky (1st percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Guthrie ranks 29,782 for wildfire risk (1 is highest) and 13,414 by building count (1 is largest). Within Kentucky alone, it ranks 545 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
Guthrie's low rating (6th 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 57.4% of Guthrie 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 823 counted buildings into the percentiles shown above for Guthrie. For more on what minimal exposure implies beyond Guthrie, see the exposure-zones guide.