Luray, SC
How exposed is Luray to wildfire?
Out of every US place USFS scores, Luray lands at the 73rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 108 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 Luray at the 72nd percentile, close to its 73rd-percentile risk score.
Luray's building exposure, zone by zone
69.4% of Luray's 108 buildings sit in USFS's Direct exposure zone, roughly 75 structures close enough to burnable vegetation for flame contact, not just embers — 30.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Luray compares
Luray scores 73rd nationally and 68th within South Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Luray ranks 8,515 for wildfire risk (1 is highest) and 28,713 by building count (1 is largest). Within South Carolina alone, it ranks 151 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
Luray and the insurance market
At the 73rd percentile nationally, Luray carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Luray
Because Direct exposure dominates in Luray (69.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Luray's figures come from
Every one of the two percentiles behind Luray's 8,515-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 direct exposure actually means, with real examples from across the dataset.