Luray, TN
How exposed is Luray to wildfire?
Luray's 141 buildings earn a 48th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Luray at the 50th 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
Of Luray's 141 counted buildings, 93.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Luray against the rest of the country
There's little gap between Luray's 48th national percentile and its 40th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Luray ranks 16,402 for wildfire risk (1 is highest) and 27,266 by building count (1 is largest). Within Tennessee alone, it ranks 304 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Luray and the insurance market
Luray's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 93.6% of Luray in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Luray's figures come from
The methodology guide shows exactly how USFS turned 141 counted buildings into the percentiles shown above for Luray. The exposure-zones guide covers what Luray's dominant direct exposure actually means, with real examples from across the dataset.