Smiths Grove, KY
Smiths Grove wildfire risk explained
Smiths Grove's 564 buildings earn a 16th-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, Smiths Grove's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
What "at risk" means for the buildings here
55.5% of Smiths Grove's 564 buildings sit in USFS's Direct exposure zone, roughly 313 structures close enough to burnable vegetation for flame contact, not just embers — 44.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Smiths Grove compares
Smiths Grove scores 16th nationally and 26th 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, Smiths Grove ranks 26,531 for wildfire risk (1 is highest) and 16,339 by building count (1 is largest). Within Kentucky alone, it ranks 411 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Smiths Grove
Smiths Grove's low wildfire rating (16th 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
Because Direct exposure dominates in Smiths Grove (55.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 564 counted buildings into the percentiles shown above for Smiths Grove. For more on what direct exposure implies beyond Smiths Grove, see the exposure-zones guide.