Luzerne, PA
How exposed is Luzerne to wildfire?
Luzerne's 1,412 buildings earn a 45th-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.)
Separately from the risk score above, Luzerne's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Luzerne's building exposure, zone by zone
USFS puts 97.5% of Luzerne's 1,412 buildings in the Indirect exposure zone, versus 2.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Luzerne against the rest of the country
Luzerne's 72nd-percentile standing inside Pennsylvania outpaces its 45th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Luzerne ranks 17,408 for wildfire risk (1 is highest) and 9,578 by building count (1 is largest). Within Pennsylvania alone, it ranks 557 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Luzerne and the insurance market
Luzerne's elevated wildfire rating (45th 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.
What would actually reduce this score
Because 97.5% of Luzerne's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Luzerne's 17,408-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Luzerne, see the exposure-zones guide.