Marrowbone, KY
Marrowbone wildfire risk explained
USFS scores Marrowbone at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 232 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marrowbone at the 48th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Marrowbone's building exposure, zone by zone
USFS classifies 97.8% of Marrowbone's buildings as Direct exposure, higher than its 2.2% Indirect share and far above its 0% Minimal share — a profile where 227 structures sit close enough to vegetation that lot clearing matters most.
How Marrowbone compares
Marrowbone's 74th-percentile standing inside Kentucky outpaces its 45th 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, Marrowbone ranks 17,232 for wildfire risk (1 is highest) and 23,736 by building count (1 is largest). Within Kentucky alone, it ranks 142 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Marrowbone and the insurance market
At the 45th national percentile, Marrowbone rates elevated 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 Marrowbone
With 97.8% of Marrowbone in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Marrowbone's figures come from
Every one of the two percentiles behind Marrowbone's 17,232-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Marrowbone's dominant direct exposure actually means, with real examples from across the dataset.