Louisville, OH
Louisville, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Louisville at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,058 actual buildings. (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 24th percentile nationally.
What "at risk" means for the buildings here
80% of Louisville's 4,058 buildings sit in USFS's Minimal exposure zone, with only 20% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Louisville compares
Compare Louisville's two percentiles: 54th within Ohio, only 22nd nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Louisville ranks 24,464 for wildfire risk (1 is highest) and 4,184 by building count (1 is largest). Within Ohio alone, it ranks 578 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Louisville's moderate wildfire rating (22nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 80% of buildings rated Minimal exposure, Louisville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Louisville's 24,464-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Louisville, see the exposure-zones guide.