Windy Hills, KY
Windy Hills, KY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Windy Hills at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,236 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Windy Hills's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Where Windy Hills's buildings actually sit
Most of Windy Hills's buildings (60.3% of 1,236) 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.
How Windy Hills compares
There's little gap between Windy Hills's 12th national percentile and its 16th percentile inside Kentucky, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Windy Hills ranks 27,853 for wildfire risk (1 is highest) and 10,432 by building count (1 is largest). Within Kentucky alone, it ranks 464 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
Windy Hills'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
Windy Hills's 60.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Windy Hills's figures come from
Windy Hills'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 Windy Hills's dominant minimal exposure actually means, with real examples from across the dataset.