Hollyvilla, KY
How exposed is Hollyvilla to wildfire?
USFS scores Hollyvilla at the 22nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 378 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hollyvilla's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Where Hollyvilla's buildings actually sit
61.1% of Hollyvilla's 378 buildings sit in USFS's Direct exposure zone, roughly 231 structures close enough to burnable vegetation for flame contact, not just embers — 38.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Hollyvilla against the rest of the country
Hollyvilla's 37th-percentile standing inside Kentucky outpaces its 22nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hollyvilla ranks 24,706 for wildfire risk (1 is highest) and 19,688 by building count (1 is largest). Within Kentucky alone, it ranks 346 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
Hollyvilla's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 61.1% of Hollyvilla 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.
More on how this number was built
Hollyvilla's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hollyvilla, see the exposure-zones guide.