Scottsville, KY
How exposed is Scottsville to wildfire?
Scottsville sits at the 31st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,537 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Scottsville at the 33rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Scottsville's building exposure, zone by zone
2,537 buildings are counted in Scottsville, and 51.8% 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.
Scottsville against the rest of the country
Compare Scottsville's two percentiles: 58th within Kentucky, only 31st nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Scottsville ranks 21,865 for wildfire risk (1 is highest) and 6,232 by building count (1 is largest). Within Kentucky alone, it ranks 233 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
Scottsville's moderate wildfire rating (31st 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.
Lowering exposure, not just insuring around it
Scottsville's 51.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,537 counted buildings into the percentiles shown above for Scottsville. For more on what direct exposure implies beyond Scottsville, see the exposure-zones guide.