Lucerne Valley, CA
Lucerne Valley, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Lucerne Valley lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 4,577 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 Valley at the 76th percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 73.5% of Lucerne Valley's buildings as Direct exposure, higher than its 3.6% Indirect share and far above its 22.9% Minimal share — a profile where 3,364 structures sit close enough to vegetation that lot clearing matters most.
Where Lucerne Valley ranks
Lucerne Valley ranks lower within California (38th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lucerne Valley ranks 6,891 for wildfire risk (1 is highest) and 3,727 by building count (1 is largest). Within California alone, it ranks 978 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Lucerne Valley sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 78th-percentile score like Lucerne Valley's can end up mattering for. More on the disclosure law.
Hardening a home in Lucerne Valley
Lucerne Valley's 73.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,577 counted buildings into the percentiles shown above for Lucerne Valley. For more on what direct exposure implies beyond Lucerne Valley, see the exposure-zones guide.