Larose, LA
How exposed is Larose to wildfire?
USFS's Wildfire Risk to Communities model puts Larose at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 4,200 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Larose's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Where Larose's buildings actually sit
USFS puts 75.6% of Larose's 4,200 buildings in the Indirect exposure zone, versus 24.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Larose against the rest of the country
There's little gap between Larose's 41st national percentile and its 40th percentile inside Louisiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Larose ranks 18,650 for wildfire risk (1 is highest) and 4,060 by building count (1 is largest). Within Louisiana alone, it ranks 294 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
What this risk score means for insurance
Larose's elevated wildfire rating (41st 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
Larose's 75.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Larose's figures come from
The methodology guide shows exactly how USFS turned 4,200 counted buildings into the percentiles shown above for Larose. The exposure-zones guide covers what Larose's dominant indirect exposure actually means, with real examples from across the dataset.