Mount Olivet, KY
Mount Olivet, KY's wildfire risk, in USFS's own numbers
Mount Olivet's 278 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Olivet at the 30th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 100% of Mount Olivet's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 278 structures sit close enough to vegetation that lot clearing matters most.
How Mount Olivet compares
Mount Olivet's 54th-percentile standing inside Kentucky outpaces its 28th 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, Mount Olivet ranks 22,595 for wildfire risk (1 is highest) and 22,260 by building count (1 is largest). Within Kentucky alone, it ranks 254 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
Mount Olivet's moderate wildfire rating (28th 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
Mount Olivet's 100% 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.
Where Mount Olivet's figures come from
Mount Olivet's 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Mount Olivet's dominant direct exposure actually means, with real examples from across the dataset.