Tolu, KY
How exposed is Tolu to wildfire?
Tolu sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 78 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tolu at the 38th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Tolu's building exposure, zone by zone
78 buildings are counted in Tolu, and 52.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Tolu against the rest of the country
Tolu's 64th-percentile standing inside Kentucky outpaces its 36th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Tolu ranks 20,323 for wildfire risk (1 is highest) and 29,964 by building count (1 is largest). Within Kentucky alone, it ranks 198 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
Tolu's moderate rating (36th 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
Because Direct exposure dominates in Tolu (52.6%), 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
The methodology guide shows exactly how USFS turned 78 counted buildings into the percentiles shown above for Tolu. For more on what direct exposure implies beyond Tolu, see the exposure-zones guide.