Hopkinsville, KY
How exposed is Hopkinsville to wildfire?
Out of every US place USFS scores, Hopkinsville lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 14,482 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hopkinsville at the 14th percentile, close to its 13th-percentile risk score.
Hopkinsville's building exposure, zone by zone
Only 39.8% of Hopkinsville's 14,482 buildings carry Direct exposure and 3.9% carry Indirect; the remaining 56.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 14,482 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Hopkinsville ranks
Hopkinsville's risk sits at a similar level relative to Kentucky (21st percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hopkinsville ranks 27,292 for wildfire risk (1 is highest) and 1,035 by building count (1 is largest). Within Kentucky alone, it ranks 435 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
Hopkinsville's low wildfire rating (13th 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 56.4% of buildings rated Minimal exposure, Hopkinsville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hopkinsville's figures come from
Hopkinsville's 13th-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 Hopkinsville's dominant minimal exposure actually means, with real examples from across the dataset.