Sturgis, KY
Sturgis wildfire risk explained
USFS scores Sturgis at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,160 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sturgis's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Sturgis's building exposure, zone by zone
1,160 buildings are counted in Sturgis, and 41.9% of them are Indirect exposure — ember-driven risk rather than the 35.1% in Direct exposure or the 23% rated Minimal.
Where Sturgis ranks
There's little gap between Sturgis's 14th national percentile and its 23rd percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sturgis ranks 27,038 for wildfire risk (1 is highest) and 10,889 by building count (1 is largest). Within Kentucky alone, it ranks 425 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Sturgis
Sturgis's low wildfire rating (14th 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.
Hardening a home in Sturgis
Sturgis's 41.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Sturgis's 27,038-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Sturgis, see the exposure-zones guide.