Riverwood, KY
Riverwood, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Riverwood at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 198 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Riverwood at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Riverwood's buildings actually sit
67.7% of Riverwood's 198 buildings sit in USFS's Direct exposure zone, roughly 134 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 32.3% are Minimal.
Where Riverwood ranks
Riverwood scores 13th nationally and 21st within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Riverwood ranks 27,452 for wildfire risk (1 is highest) and 24,921 by building count (1 is largest). Within Kentucky alone, it ranks 438 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Riverwood
Riverwood's low wildfire rating (13th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Riverwood (67.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Riverwood's figures come from
The methodology guide shows exactly how USFS turned 198 counted buildings into the percentiles shown above for Riverwood. The exposure-zones guide covers what Riverwood's dominant direct exposure actually means, with real examples from across the dataset.