Luverne, MN
How exposed is Luverne to wildfire?
Luverne sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,554 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Luverne at the 32nd percentile, close to its 37th-percentile risk score.
Luverne's building exposure, zone by zone
Luverne rates 87% Minimal exposure against just 13% Direct and 0% Indirect — of 2,554 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Luverne compares
Luverne scores 37th nationally and 49th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Luverne ranks 19,885 for wildfire risk (1 is highest) and 6,192 by building count (1 is largest). Within Minnesota alone, it ranks 471 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
At the 37th national percentile, Luverne rates moderate 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
Even with 87% of Luverne 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 Luverne's figures come from
Every one of the two percentiles behind Luverne's 19,885-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Luverne's dominant minimal exposure actually means, with real examples from across the dataset.