Olive Hill, KY
How exposed is Olive Hill to wildfire?
Olive Hill's 1,180 buildings earn a 61st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olive Hill's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Olive Hill's building exposure, zone by zone
63.5% of Olive Hill's 1,180 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 36.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Olive Hill against the rest of the country
Compare Olive Hill's two percentiles: 82nd within Kentucky, only 61st nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Olive Hill ranks 12,287 for wildfire risk (1 is highest) and 10,769 by building count (1 is largest). Within Kentucky alone, it ranks 99 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Olive Hill and the insurance market
Olive Hill's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Olive Hill
Olive Hill's 63.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Olive Hill's figures come from
Every one of the two percentiles behind Olive Hill's 12,287-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Olive Hill's dominant indirect exposure actually means, with real examples from across the dataset.