Hebron Estates, KY
How exposed is Hebron Estates to wildfire?
USFS's Wildfire Risk to Communities model puts Hebron Estates at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 586 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hebron Estates at the 20th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hebron Estates's buildings actually sit
Direct exposure dominates in Hebron Estates: 50.5% of its 586 buildings, versus 49.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hebron Estates compares
Hebron Estates scores 17th nationally and 28th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hebron Estates ranks 26,158 for wildfire risk (1 is highest) and 16,020 by building count (1 is largest). Within Kentucky alone, it ranks 399 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
Hebron Estates's low wildfire rating (17th 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.
Hardening a home in Hebron Estates
Hebron Estates's 50.5% 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.
Where Hebron Estates's figures come from
Hebron Estates's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hebron Estates's dominant direct exposure actually means, with real examples from across the dataset.