Hollow Creek, KY
How exposed is Hollow Creek to wildfire?
Out of every US place USFS scores, Hollow Creek lands at the 14th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 380 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hollow Creek at the 17th national percentile — 3 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
Hollow Creek rates 57.4% Minimal exposure against just 42.6% Direct and 0% Indirect — of 380 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Hollow Creek compares
Hollow Creek's risk sits at a similar level relative to Kentucky (23rd percentile statewide) as it does nationally (14th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hollow Creek ranks 27,067 for wildfire risk (1 is highest) and 19,646 by building count (1 is largest). Within Kentucky alone, it ranks 426 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Hollow Creek and the insurance market
Hollow Creek's low wildfire rating (14th 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 Hollow Creek
Hollow Creek's 57.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Hollow Creek's figures come from
Hollow Creek's 14th-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 Hollow Creek's dominant minimal exposure actually means, with real examples from across the dataset.