Lucerne Mines, PA
How exposed is Lucerne Mines to wildfire?
Lucerne Mines sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 576 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lucerne Mines's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Where Lucerne Mines's buildings actually sit
USFS puts 75.4% of Lucerne Mines's 576 buildings in the Indirect exposure zone, versus 24.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Lucerne Mines compares
Compare Lucerne Mines's two percentiles: 65th within Pennsylvania, only 41st nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lucerne Mines ranks 18,511 for wildfire risk (1 is highest) and 16,167 by building count (1 is largest). Within Pennsylvania alone, it ranks 693 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Lucerne Mines
Lucerne Mines's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lucerne Mines's 75.4% 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 Lucerne Mines's figures come from
Every one of the two percentiles behind Lucerne Mines's 18,511-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lucerne Mines's dominant indirect exposure actually means, with real examples from across the dataset.