Lovelaceville, KY
Lovelaceville wildfire risk explained
Lovelaceville's 144 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lovelaceville at the 45th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lovelaceville's buildings actually sit
55.6% of Lovelaceville's 144 buildings sit in USFS's Direct exposure zone, roughly 80 structures close enough to burnable vegetation for flame contact, not just embers — 44.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Lovelaceville ranks
Compare Lovelaceville's two percentiles: 73rd within Kentucky, only 43rd nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lovelaceville ranks 17,833 for wildfire risk (1 is highest) and 27,122 by building count (1 is largest). Within Kentucky alone, it ranks 151 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Lovelaceville and the insurance market
Lovelaceville's elevated rating (43rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lovelaceville (55.6%), 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
The methodology guide shows exactly how USFS turned 144 counted buildings into the percentiles shown above for Lovelaceville. For more on what direct exposure implies beyond Lovelaceville, see the exposure-zones guide.