Louisville, GA
How exposed is Louisville to wildfire?
Out of every US place USFS scores, Louisville lands at the 66th 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 Louisville at the 67th percentile, close to its 66th-percentile risk score.
What "at risk" means for the buildings here
Most of Louisville's buildings (55.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Louisville compares
Louisville ranks lower within Georgia (47th percentile statewide) than its 66th 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 10,741 for wildfire risk (1 is highest) and 10,143 by building count (1 is largest). Within Georgia alone, it ranks 352 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in Louisville
Louisville's 66th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Louisville (55.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,287 counted buildings into the percentiles shown above for Louisville. For more on what indirect exposure implies beyond Louisville, see the exposure-zones guide.