Luck, WI
Luck, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Luck at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 809 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Luck at the 37th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 60% of Luck's 809 buildings in the Indirect exposure zone, versus 38.3% Direct and 1.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Luck ranks
Luck's 85th-percentile standing inside Wisconsin outpaces its 36th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Luck ranks 20,157 for wildfire risk (1 is highest) and 13,561 by building count (1 is largest). Within Wisconsin alone, it ranks 124 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Luck
Luck's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Luck
With ember exposure the dominant pattern in Luck (60% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Luck's 20,157-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Luck, see the exposure-zones guide.