Sandy Hook, KY
Sandy Hook wildfire risk explained
USFS scores Sandy Hook at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 437 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sandy Hook at the 73rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Sandy Hook's building exposure, zone by zone
51.5% of Sandy Hook's 437 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 48.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Sandy Hook compares
There's little gap between Sandy Hook's 70th national percentile and its 84th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sandy Hook ranks 9,580 for wildfire risk (1 is highest) and 18,516 by building count (1 is largest). Within Kentucky alone, it ranks 89 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
Sandy Hook's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 51.5% of Sandy Hook's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Sandy Hook's figures come from
Sandy Hook's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Sandy Hook's dominant indirect exposure actually means, with real examples from across the dataset.