Heritage Creek, KY
Heritage Creek wildfire risk explained
Heritage Creek's 688 buildings earn a 24th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Heritage Creek at the 26th 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
63.4% of Heritage Creek's 688 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 31% Direct and 5.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Heritage Creek compares
Within Kentucky, Heritage Creek ranks higher (45th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Heritage Creek ranks 23,946 for wildfire risk (1 is highest) and 14,777 by building count (1 is largest). Within Kentucky alone, it ranks 304 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Heritage Creek
At the 24th national percentile, Heritage Creek rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Heritage Creek's 63.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Heritage Creek's figures come from
Every one of the two percentiles behind Heritage Creek's 23,946-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Heritage Creek's dominant indirect exposure actually means, with real examples from across the dataset.