Louisville, TN
How exposed is Louisville to wildfire?
Louisville sits at the 70th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,977 counted buildings, not vegetation cover alone. (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 75th percentile, close to its 70th-percentile risk score.
Where Louisville's buildings actually sit
Of Louisville's 2,977 counted buildings, 89.6% carry Direct exposure and only 6.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Louisville against the rest of the country
Louisville's risk sits at a similar level relative to Tennessee (66th percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Louisville ranks 9,498 for wildfire risk (1 is highest) and 5,476 by building count (1 is largest). Within Tennessee alone, it ranks 173 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
At the 70th 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
Because Direct exposure dominates in Louisville (89.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Louisville's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Louisville, see the exposure-zones guide.