Oak Grove, KY
How exposed is Oak Grove to wildfire?
USFS's Wildfire Risk to Communities model puts Oak Grove at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 3,264 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 Oak Grove at the 7th percentile, close to its 7th-percentile risk score.
What "at risk" means for the buildings here
Oak Grove rates 63.9% Minimal exposure against just 36.1% Direct and 0% Indirect — of 3,264 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Oak Grove against the rest of the country
Oak Grove's risk sits at a similar level relative to Kentucky (2nd percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Grove ranks 29,467 for wildfire risk (1 is highest) and 5,083 by building count (1 is largest). Within Kentucky alone, it ranks 540 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Oak Grove and the insurance market
At the 7th national percentile, Oak Grove 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
Even with 63.9% of Oak Grove 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
Oak Grove's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oak Grove, see the exposure-zones guide.