Lucerne, WY
Lucerne, WY's wildfire risk, in USFS's own numbers
Lucerne sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 626 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lucerne's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
Where Lucerne's buildings actually sit
88.2% of Lucerne's 626 buildings sit in USFS's Direct exposure zone, roughly 552 structures close enough to burnable vegetation for flame contact, not just embers — 11.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lucerne compares
Lucerne ranks lower within Wyoming (34th percentile statewide) than its 73rd 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 ranks 8,495 for wildfire risk (1 is highest) and 15,498 by building count (1 is largest). Within Wyoming alone, it ranks 128 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
Shopping for coverage in Lucerne
Lucerne's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Lucerne's 88.2% 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.
Where Lucerne's figures come from
Every one of the two percentiles behind Lucerne's 8,495-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 direct exposure actually means, with real examples from across the dataset.