Spring Valley, KY
How exposed is Spring Valley to wildfire?
Spring Valley's 249 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spring Valley at the 14th percentile, close to its 13th-percentile risk score.
Where Spring Valley's buildings actually sit
68.3% of Spring Valley's 249 buildings sit in USFS's Direct exposure zone, roughly 170 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 31.7% are Minimal.
Where Spring Valley ranks
Spring Valley's risk sits at a similar level relative to Kentucky (20th 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 Valley ranks 27,508 for wildfire risk (1 is highest) and 23,167 by building count (1 is largest). Within Kentucky alone, it ranks 444 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Spring Valley and the insurance market
Spring Valley's low wildfire rating (13th 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 Spring Valley (68.3%), 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
Every one of the two percentiles behind Spring Valley's 27,508-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spring Valley, see the exposure-zones guide.