Luverne, AL
Luverne, AL's wildfire risk, in USFS's own numbers
USFS scores Luverne at the 54th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,697 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Luverne's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
What "at risk" means for the buildings here
69.9% of Luverne's 1,697 buildings sit in USFS's Direct exposure zone, roughly 1,186 structures close enough to burnable vegetation for flame contact, not just embers — 30.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Luverne against the rest of the country
Luverne ranks lower within Alabama (10th percentile statewide) than its 54th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Luverne ranks 14,549 for wildfire risk (1 is highest) and 8,427 by building count (1 is largest). Within Alabama alone, it ranks 533 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Luverne
At the 54th national percentile, Luverne rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Luverne
With 69.9% of Luverne 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.
More on how this number was built
Luverne's 54th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Luverne, see the exposure-zones guide.