Summer Shade, KY
Summer Shade, KY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Summer Shade lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 278 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summer Shade at the 45th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Summer Shade's building exposure, zone by zone
USFS classifies 99.3% of Summer Shade's buildings as Direct exposure, higher than its 0.7% Indirect share and far above its 0% Minimal share — a profile where 276 structures sit close enough to vegetation that lot clearing matters most.
Summer Shade against the rest of the country
Within Kentucky, Summer Shade ranks higher (72nd percentile) than it does nationally (43rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Summer Shade ranks 18,024 for wildfire risk (1 is highest) and 22,261 by building count (1 is largest). Within Kentucky alone, it ranks 157 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
Summer Shade's elevated wildfire rating (43rd 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.
What would actually reduce this score
Summer Shade's 99.3% 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.
Where Summer Shade's figures come from
Every one of the two percentiles behind Summer Shade's 18,024-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Summer Shade's dominant direct exposure actually means, with real examples from across the dataset.