Mentor, KY
Mentor wildfire risk explained
Out of every US place USFS scores, Mentor lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 174 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mentor at the 20th percentile, close to its 19th-percentile risk score.
Where Mentor's buildings actually sit
Of Mentor's 174 counted buildings, 98.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Mentor against the rest of the country
There's little gap between Mentor's 19th national percentile and its 30th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mentor ranks 25,650 for wildfire risk (1 is highest) and 25,858 by building count (1 is largest). Within Kentucky alone, it ranks 387 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
Mentor's low rating (19th 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
Mentor's 98.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Mentor's 25,650-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Mentor, see the exposure-zones guide.