Hickman, KY
How exposed is Hickman to wildfire?
USFS's Wildfire Risk to Communities model puts Hickman at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,283 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hickman at the 33rd percentile, close to its 32nd-percentile risk score.
Hickman's building exposure, zone by zone
Of Hickman's 1,283 counted buildings, 57.8% carry Direct exposure and only 3.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Hickman ranks
Compare Hickman's two percentiles: 59th within Kentucky, only 32nd nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hickman ranks 21,458 for wildfire risk (1 is highest) and 10,175 by building count (1 is largest). Within Kentucky alone, it ranks 226 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
Hickman's moderate wildfire rating (32nd 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
With 57.8% of Hickman 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.
Where Hickman's figures come from
Every one of the two percentiles behind Hickman's 21,458-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hickman's dominant direct exposure actually means, with real examples from across the dataset.