Hardin, KY
Hardin wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hardin at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 382 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hardin at the 40th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
382 buildings are counted in Hardin, and 73% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 8.9% rated Minimal.
Hardin against the rest of the country
Within Kentucky, Hardin ranks higher (66th percentile) than it does nationally (38th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hardin ranks 19,408 for wildfire risk (1 is highest) and 19,589 by building count (1 is largest). Within Kentucky alone, it ranks 187 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Hardin and the insurance market
Hardin's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 73% of Hardin in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hardin's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hardin, see the exposure-zones guide.