Pembroke, KY
How exposed is Pembroke to wildfire?
Pembroke's 465 buildings earn a 5th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pembroke at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Pembroke's buildings actually sit
465 buildings are counted in Pembroke, and 60.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 39.1% rated Minimal.
Pembroke against the rest of the country
Pembroke's risk sits at a similar level relative to Kentucky (1st percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pembroke ranks 29,981 for wildfire risk (1 is highest) and 17,978 by building count (1 is largest). Within Kentucky alone, it ranks 548 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Pembroke and the insurance market
Pembroke's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 60.9% of Pembroke in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Pembroke's figures come from
The methodology guide shows exactly how USFS turned 465 counted buildings into the percentiles shown above for Pembroke. The exposure-zones guide covers what Pembroke's dominant direct exposure actually means, with real examples from across the dataset.