Norbourne Estates, KY
Norbourne Estates, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Norbourne Estates lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 301 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Norbourne Estates at the 14th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Norbourne Estates's buildings actually sit
USFS classifies 63.1% of Norbourne Estates's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 36.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Norbourne Estates compares
Norbourne Estates scores 11th nationally and 15th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Norbourne Estates ranks 27,950 for wildfire risk (1 is highest) and 21,598 by building count (1 is largest). Within Kentucky alone, it ranks 471 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
Norbourne Estates's low wildfire rating (11th 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
Even with 63.1% of Norbourne Estates outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 301 counted buildings into the percentiles shown above for Norbourne Estates. For more on what minimal exposure implies beyond Norbourne Estates, see the exposure-zones guide.