Lucerne, IN
How exposed is Lucerne to wildfire?
USFS scores Lucerne at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 103 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lucerne at the 1st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lucerne's building exposure, zone by zone
USFS classifies 86.4% of Lucerne's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Lucerne ranks
There's little gap between Lucerne's 1st national percentile and its 5th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lucerne ranks 31,302 for wildfire risk (1 is highest) and 28,886 by building count (1 is largest). Within Indiana alone, it ranks 922 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Lucerne
Lucerne's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Lucerne's 86.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lucerne's figures come from
Every one of the two percentiles behind Lucerne's 31,302-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lucerne's dominant minimal exposure actually means, with real examples from across the dataset.