Tompkinsville, KY
Tompkinsville wildfire risk explained
USFS scores Tompkinsville at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,481 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tompkinsville's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Tompkinsville's building exposure, zone by zone
52.2% of Tompkinsville's 1,481 buildings sit in USFS's Direct exposure zone, roughly 773 structures close enough to burnable vegetation for flame contact, not just embers — 47.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Tompkinsville compares
Within Kentucky, Tompkinsville ranks higher (71st percentile) than it does nationally (42nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Tompkinsville ranks 18,182 for wildfire risk (1 is highest) and 9,246 by building count (1 is largest). Within Kentucky alone, it ranks 160 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Tompkinsville
Tompkinsville's elevated rating (42nd 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 52.2% of Tompkinsville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,481 counted buildings into the percentiles shown above for Tompkinsville. For more on what direct exposure implies beyond Tompkinsville, see the exposure-zones guide.