Spring Mill, KY
How exposed is Spring Mill to wildfire?
USFS's Wildfire Risk to Communities model puts Spring Mill at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 120 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Mill's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Spring Mill's building exposure, zone by zone
Only 30% of Spring Mill's 120 buildings carry Direct exposure and 0% carry Indirect; the remaining 70% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Spring Mill against the rest of the country
Spring Mill's risk sits at a similar level relative to Kentucky (21st percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spring Mill ranks 27,481 for wildfire risk (1 is highest) and 28,144 by building count (1 is largest). Within Kentucky alone, it ranks 441 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Spring Mill and the insurance market
Spring Mill's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Spring Mill
Even with 70% of Spring Mill 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 120 counted buildings into the percentiles shown above for Spring Mill. For more on what minimal exposure implies beyond Spring Mill, see the exposure-zones guide.