Owingsville, KY
How exposed is Owingsville to wildfire?
USFS's Wildfire Risk to Communities model puts Owingsville at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 895 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Owingsville's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Owingsville's building exposure, zone by zone
Of Owingsville's 895 counted buildings, 52.6% carry Direct exposure and only 1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Owingsville against the rest of the country
Compare Owingsville's two percentiles: 76th within Kentucky, only 47th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Owingsville ranks 16,603 for wildfire risk (1 is highest) and 12,768 by building count (1 is largest). Within Kentucky alone, it ranks 132 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Owingsville and the insurance market
Owingsville's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Owingsville
Because Direct exposure dominates in Owingsville (52.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Owingsville's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Owingsville, see the exposure-zones guide.