Hurstbourne, KY
How exposed is Hurstbourne to wildfire?
USFS's Wildfire Risk to Communities model puts Hurstbourne at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,577 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hurstbourne at the 12th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hurstbourne's building exposure, zone by zone
77.2% of Hurstbourne's 1,577 buildings sit in USFS's Minimal exposure zone, with only 22.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Hurstbourne against the rest of the country
Hurstbourne scores 10th nationally and 7th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hurstbourne ranks 28,366 for wildfire risk (1 is highest) and 8,847 by building count (1 is largest). Within Kentucky alone, it ranks 516 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Hurstbourne and the insurance market
Hurstbourne'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.
Hardening a home in Hurstbourne
Hurstbourne's 77.2% 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 Hurstbourne's figures come from
Every one of the two percentiles behind Hurstbourne's 28,366-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hurstbourne's dominant minimal exposure actually means, with real examples from across the dataset.