Horse Cave, KY
Horse Cave wildfire risk explained
USFS's Wildfire Risk to Communities model puts Horse Cave at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,317 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 Horse Cave at the 31st percentile, close to its 28th-percentile risk score.
Where Horse Cave's buildings actually sit
Of Horse Cave's 1,317 counted buildings, 58.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Horse Cave compares
Horse Cave's 54th-percentile standing inside Kentucky outpaces its 28th 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, Horse Cave ranks 22,594 for wildfire risk (1 is highest) and 9,984 by building count (1 is largest). Within Kentucky alone, it ranks 253 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
At the 28th national percentile, Horse Cave rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Horse Cave
Because Direct exposure dominates in Horse Cave (58.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Horse Cave's 22,594-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Horse Cave, see the exposure-zones guide.