Htaccess how does it work in directories?

I am wanting to know if I need to htaccess every folder I want to protect or just the root folder of the set?

example.

top <- just htaccess here
ā€” next level <- or here as well?

Hope someone understands.

Jason

Top one will work for lower levels. You can customize lower levels with separate .htaccess if you want.

Thanks so much for your fast reply