Smithfield, KY
How exposed is Smithfield to wildfire?
Smithfield's 94 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smithfield's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Smithfield's building exposure, zone by zone
94 buildings are counted in Smithfield, and 100% 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.
Where Smithfield ranks
There's little gap between Smithfield's 20th national percentile and its 33rd percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Smithfield ranks 25,338 for wildfire risk (1 is highest) and 29,311 by building count (1 is largest). Within Kentucky alone, it ranks 371 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Smithfield
Smithfield's low wildfire rating (20th 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
Smithfield's 100% 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
Every one of the two percentiles behind Smithfield's 25,338-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Smithfield, see the exposure-zones guide.