Harvey, LA
Harvey wildfire risk explained
USFS scores Harvey at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 8,511 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harvey at the 18th percentile, close to its 20th-percentile risk score.
What "at risk" means for the buildings here
Harvey rates 98.7% Minimal exposure against just 1.3% Direct and 0% Indirect — of 8,511 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,511 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Harvey against the rest of the country
Harvey's risk sits at a similar level relative to Louisiana (18th percentile statewide) as it does nationally (20th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harvey ranks 25,306 for wildfire risk (1 is highest) and 1,951 by building count (1 is largest). Within Louisiana alone, it ranks 399 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
Shopping for coverage in Harvey
Harvey's low wildfire rating (20th 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 98.7% of buildings rated Minimal exposure, Harvey gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harvey's figures come from
Harvey's 20th-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 Harvey's dominant minimal exposure actually means, with real examples from across the dataset.