Rosine, KY
How exposed is Rosine to wildfire?
Out of every US place USFS scores, Rosine lands at the 40th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 107 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rosine at the 43rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Rosine's buildings actually sit
107 buildings are counted in Rosine, and 88.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Rosine against the rest of the country
Compare Rosine's two percentiles: 68th within Kentucky, only 40th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rosine ranks 18,809 for wildfire risk (1 is highest) and 28,733 by building count (1 is largest). Within Kentucky alone, it ranks 177 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 40th national percentile, Rosine rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Rosine (88.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Rosine's figures come from
The methodology guide shows exactly how USFS turned 107 counted buildings into the percentiles shown above for Rosine. The exposure-zones guide covers what Rosine's dominant direct exposure actually means, with real examples from across the dataset.