Hardinsburg, KY
How exposed is Hardinsburg to wildfire?
Hardinsburg's 1,602 buildings earn a 27th-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 Hardinsburg at the 28th percentile, close to its 27th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 52.2% of Hardinsburg's buildings as Direct exposure, higher than its 47.8% Indirect share and far above its 0% Minimal share — a profile where 836 structures sit close enough to vegetation that lot clearing matters most.
Where Hardinsburg ranks
Compare Hardinsburg's two percentiles: 50th within Kentucky, only 27th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hardinsburg ranks 23,163 for wildfire risk (1 is highest) and 8,764 by building count (1 is largest). Within Kentucky alone, it ranks 278 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Hardinsburg
Hardinsburg's moderate wildfire rating (27th 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.
What would actually reduce this score
Because Direct exposure dominates in Hardinsburg (52.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,602 counted buildings into the percentiles shown above for Hardinsburg. For more on what direct exposure implies beyond Hardinsburg, see the exposure-zones guide.