Louisa, KY
How exposed is Louisa to wildfire?
Out of every US place USFS scores, Louisa lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,287 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Louisa at the 80th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Louisa (88.7% of 1,287 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.3% sit in the Direct zone.
Louisa against the rest of the country
Louisa scores 76th nationally and 85th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Louisa ranks 7,473 for wildfire risk (1 is highest) and 10,145 by building count (1 is largest). Within Kentucky alone, it ranks 83 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
Louisa's high rating (76th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Louisa (88.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Louisa's figures come from
Louisa's 76th-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 Louisa's dominant indirect exposure actually means, with real examples from across the dataset.