Louisville, MS
Louisville, MS's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Louisville lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,553 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 64th-percentile risk score.
Where Louisville's buildings actually sit
USFS classifies 65.7% of Louisville's buildings as Direct exposure, higher than its 34.1% Indirect share and far above its 0.1% Minimal share — a profile where 2,335 structures sit close enough to vegetation that lot clearing matters most.
Where Louisville ranks
Inside Mississippi, Louisville sits at just the 42nd percentile even though it scores 64th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Louisville ranks 11,438 for wildfire risk (1 is highest) and 4,714 by building count (1 is largest). Within Mississippi alone, it ranks 244 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Louisville and the insurance market
At the 64th percentile nationally, Louisville carries the 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.
Lowering exposure, not just insuring around it
Louisville's 65.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Louisville's 11,438-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Louisville, see the exposure-zones guide.