Luke, MD
How exposed is Luke to wildfire?
Luke's 66 buildings earn a 54th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Luke at the 53rd percentile, close to its 54th-percentile risk score.
Where Luke's buildings actually sit
USFS puts 74.2% of Luke's 66 buildings in the Indirect exposure zone, versus 25.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Luke against the rest of the country
Compare Luke's two percentiles: 76th within Maryland, only 54th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Luke ranks 14,433 for wildfire risk (1 is highest) and 30,422 by building count (1 is largest). Within Maryland alone, it ranks 131 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
What this risk score means for insurance
At the 54th national percentile, Luke rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 74.2% of Luke's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Luke's figures come from
The methodology guide shows exactly how USFS turned 66 counted buildings into the percentiles shown above for Luke. The exposure-zones guide covers what Luke's dominant indirect exposure actually means, with real examples from across the dataset.