Hurstbourne Acres, KY
Hurstbourne Acres wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hurstbourne Acres at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 305 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hurstbourne Acres's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
What "at risk" means for the buildings here
Only 22% of Hurstbourne Acres's 305 buildings carry Direct exposure and 0% carry Indirect; the remaining 78% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Hurstbourne Acres against the rest of the country
There's little gap between Hurstbourne Acres's 10th national percentile and its 5th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hurstbourne Acres ranks 28,429 for wildfire risk (1 is highest) and 21,497 by building count (1 is largest). Within Kentucky alone, it ranks 522 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
Hurstbourne Acres's low wildfire rating (10th 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.
Lowering exposure, not just insuring around it
With 78% of buildings rated Minimal exposure, Hurstbourne Acres gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hurstbourne Acres's figures come from
The methodology guide shows exactly how USFS turned 305 counted buildings into the percentiles shown above for Hurstbourne Acres. The exposure-zones guide covers what Hurstbourne Acres's dominant minimal exposure actually means, with real examples from across the dataset.