Hills and Dales, KY
How exposed is Hills and Dales to wildfire?
Hills and Dales sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 63 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hills and Dales's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
What "at risk" means for the buildings here
63 buildings are counted in Hills and Dales, 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 27% rated Minimal.
Hills and Dales against the rest of the country
There's little gap between Hills and Dales's 16th national percentile and its 26th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hills and Dales ranks 26,438 for wildfire risk (1 is highest) and 30,545 by building count (1 is largest). Within Kentucky alone, it ranks 406 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Hills and Dales
Hills and Dales's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Hills and Dales (73%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hills and Dales's figures come from
Hills and Dales's 16th-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 Hills and Dales's dominant direct exposure actually means, with real examples from across the dataset.