Shelbyville, KY
Shelbyville, KY's wildfire risk, in USFS's own numbers
USFS scores Shelbyville at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 5,320 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shelbyville's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 71.3% of Shelbyville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 25.3% Direct and 3.4% Indirect — a landscape-level risk rather than a building-by-building one. At 5,320 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Shelbyville against the rest of the country
Shelbyville scores 14th nationally and 22nd 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, Shelbyville ranks 27,103 for wildfire risk (1 is highest) and 3,245 by building count (1 is largest). Within Kentucky alone, it ranks 429 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 14th national percentile, Shelbyville rates low 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
Even with 71.3% of Shelbyville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Shelbyville's figures come from
The methodology guide shows exactly how USFS turned 5,320 counted buildings into the percentiles shown above for Shelbyville. The exposure-zones guide covers what Shelbyville's dominant minimal exposure actually means, with real examples from across the dataset.