Providence, KY
How exposed is Providence to wildfire?
USFS's Wildfire Risk to Communities model puts Providence at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,996 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Providence's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
Providence's building exposure, zone by zone
60.7% of Providence's 1,996 buildings sit in USFS's Direct exposure zone, roughly 1,212 structures close enough to burnable vegetation for flame contact, not just embers — 37.7% fall in the Indirect, ember-only zone and 1.6% are Minimal.
Providence against the rest of the country
Compare Providence's two percentiles: 61st within Kentucky, only 33rd nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Providence ranks 21,108 for wildfire risk (1 is highest) and 7,487 by building count (1 is largest). Within Kentucky alone, it ranks 216 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
At the 33rd national percentile, Providence rates moderate 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
Because Direct exposure dominates in Providence (60.7%), 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
The methodology guide shows exactly how USFS turned 1,996 counted buildings into the percentiles shown above for Providence. For more on what direct exposure implies beyond Providence, see the exposure-zones guide.