Lucama, NC
Lucama wildfire risk explained
USFS scores Lucama at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 610 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lucama at the 34th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
610 buildings are counted in Lucama, and 63.3% of them are Indirect exposure — ember-driven risk rather than the 36.7% in Direct exposure or the 0% rated Minimal.
Where Lucama ranks
Inside North Carolina, Lucama sits at just the 9th percentile even though it scores 36th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lucama ranks 20,113 for wildfire risk (1 is highest) and 15,695 by building count (1 is largest). Within North Carolina alone, it ranks 702 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Lucama and the insurance market
At the 36th national percentile, Lucama rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Lucama (63.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Lucama's 20,113-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Lucama, see the exposure-zones guide.