Thornhill, KY
How exposed is Thornhill to wildfire?
Thornhill sits at the 12th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 74 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Thornhill at the 13th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Thornhill's buildings (55.4% of 74) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Thornhill against the rest of the country
Thornhill's risk sits at a similar level relative to Kentucky (19th percentile statewide) as it does nationally (12th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Thornhill ranks 27,639 for wildfire risk (1 is highest) and 30,131 by building count (1 is largest). Within Kentucky alone, it ranks 451 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
Thornhill's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 55.4% of buildings rated Minimal exposure, Thornhill gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Thornhill's figures come from
Thornhill's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Thornhill's dominant minimal exposure actually means, with real examples from across the dataset.