West Louisville, KY
West Louisville, KY's wildfire risk, in USFS's own numbers
West Louisville sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 37 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks West Louisville at the 25th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where West Louisville's buildings actually sit
37 buildings are counted in West Louisville, and 94.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
West Louisville against the rest of the country
West Louisville's 46th-percentile standing inside Kentucky outpaces its 25th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, West Louisville ranks 23,760 for wildfire risk (1 is highest) and 31,231 by building count (1 is largest). Within Kentucky alone, it ranks 298 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
West Louisville's moderate wildfire rating (25th 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.
What would actually reduce this score
Because Direct exposure dominates in West Louisville (94.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where West Louisville's figures come from
West Louisville's 25th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what West Louisville's dominant direct exposure actually means, with real examples from across the dataset.