Wildwood, KY
How exposed is Wildwood to wildfire?
Wildwood sits at the 10th 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 119 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wildwood at the 11th percentile, close to its 10th-percentile risk score.
Where Wildwood's buildings actually sit
Only 17.7% of Wildwood's 119 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Wildwood compares
Wildwood's risk sits at a similar level relative to Kentucky (6th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Wildwood ranks 28,431 for wildfire risk (1 is highest) and 28,197 by building count (1 is largest). Within Kentucky alone, it ranks 524 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
At the 10th national percentile, Wildwood rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 82.4% of Wildwood outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 119 counted buildings into the percentiles shown above for Wildwood. For more on what minimal exposure implies beyond Wildwood, see the exposure-zones guide.