Louisville, CO
Louisville wildfire risk explained
Out of every US place USFS scores, Louisville lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 8,061 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Louisville's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Louisville's buildings actually sit
Louisville rates 52% Minimal exposure against just 12.1% Direct and 35.9% Indirect — of 8,061 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,061 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Louisville ranks
Louisville ranks lower within Colorado (62nd percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Louisville ranks 5,319 for wildfire risk (1 is highest) and 2,087 by building count (1 is largest). Within Colorado alone, it ranks 181 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Louisville and the insurance market
Louisville's very high rating (83rd 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
Louisville's 52% 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 Louisville's figures come from
The methodology guide shows exactly how USFS turned 8,061 counted buildings into the percentiles shown above for Louisville. The exposure-zones guide covers what Louisville's dominant minimal exposure actually means, with real examples from across the dataset.