Nebo, KY
Nebo wildfire risk explained
USFS's Wildfire Risk to Communities model puts Nebo at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 161 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nebo at the 10th percentile, close to its 10th-percentile risk score.
What "at risk" means for the buildings here
161 buildings are counted in Nebo, and 75.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 23% rated Minimal.
Nebo against the rest of the country
Nebo's risk sits at a similar level relative to Kentucky (5th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Nebo ranks 28,491 for wildfire risk (1 is highest) and 26,385 by building count (1 is largest). Within Kentucky alone, it ranks 527 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Nebo and the insurance market
At the 10th national percentile, Nebo rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Nebo's 75.8% 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 Nebo's 28,491-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Nebo, see the exposure-zones guide.