Lucerne, MO
How exposed is Lucerne to wildfire?
Out of every US place USFS scores, Lucerne lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 102 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lucerne at the 71st percentile, close to its 69th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Lucerne (59.8% of 102 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40.2% sit in the Direct zone.
Where Lucerne ranks
Lucerne scores 69th nationally and 79th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lucerne ranks 9,901 for wildfire risk (1 is highest) and 28,959 by building count (1 is largest). Within Missouri alone, it ranks 226 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Lucerne
At the 69th percentile nationally, Lucerne carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Lucerne's 59.8% 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's figures come from
Every one of the two percentiles behind Lucerne's 9,901-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 indirect exposure actually means, with real examples from across the dataset.