Vicco, KY
Vicco wildfire risk explained
USFS's Wildfire Risk to Communities model puts Vicco at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 168 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Vicco at the 96th percentile, close to its 94th-percentile risk score.
Vicco's building exposure, zone by zone
Direct exposure dominates in Vicco: 57.1% of its 168 buildings, versus 42.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Vicco ranks
Vicco's risk sits at a similar level relative to Kentucky (98th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Vicco ranks 1,985 for wildfire risk (1 is highest) and 26,096 by building count (1 is largest). Within Kentucky alone, it ranks 11 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
Vicco's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Vicco
Because Direct exposure dominates in Vicco (57.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Vicco's figures come from
The methodology guide shows exactly how USFS turned 168 counted buildings into the percentiles shown above for Vicco. The exposure-zones guide covers what Vicco's dominant direct exposure actually means, with real examples from across the dataset.