Livermore, KY
Livermore wildfire risk explained
Livermore sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 762 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Livermore's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
What "at risk" means for the buildings here
762 buildings are counted in Livermore, and 50.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 49.5% rated Minimal.
How Livermore compares
Livermore's risk sits at a similar level relative to Kentucky (24th percentile statewide) as it does nationally (15th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Livermore ranks 26,685 for wildfire risk (1 is highest) and 13,994 by building count (1 is largest). Within Kentucky alone, it ranks 418 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
Livermore's low wildfire rating (15th 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
Because Direct exposure dominates in Livermore (50.5%), 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
Livermore's 15th-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 Livermore, see the exposure-zones guide.