Covington, LA
Covington wildfire risk explained
USFS scores Covington at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 5,553 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Covington at the 85th percentile, close to its 85th-percentile risk score.
Where Covington's buildings actually sit
Indirect exposure is dominant in Covington (51.8% of 5,553 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48.2% sit in the Direct zone. At 5,553 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Covington against the rest of the country
Covington scores 85th nationally and 95th within Louisiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Covington ranks 4,893 for wildfire risk (1 is highest) and 3,103 by building count (1 is largest). Within Louisiana alone, it ranks 27 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
What this risk score means for insurance
At the 85th percentile nationally, Covington carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 51.8% of Covington's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Covington's figures come from
Every one of the two percentiles behind Covington's 4,893-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Covington's dominant indirect exposure actually means, with real examples from across the dataset.