Luray, MO
Luray, MO's wildfire risk, in USFS's own numbers
USFS scores Luray at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 81 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Luray at the 65th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Luray's building exposure, zone by zone
USFS classifies 60.5% of Luray's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 39.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Luray compares
There's little gap between Luray's 63rd national percentile and its 63rd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Luray ranks 11,693 for wildfire risk (1 is highest) and 29,851 by building count (1 is largest). Within Missouri alone, it ranks 393 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Luray's 63rd-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.
Hardening a home in Luray
Even with 60.5% of Luray outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Luray's figures come from
Every one of the two percentiles behind Luray's 11,693-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Luray's dominant minimal exposure actually means, with real examples from across the dataset.