Rayne, LA
How exposed is Rayne to wildfire?
Out of every US place USFS scores, Rayne lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 4,133 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 Rayne at the 40th percentile, close to its 38th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 64.8% of Rayne's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.4% Direct and 26.8% Indirect — a landscape-level risk rather than a building-by-building one.
Where Rayne ranks
Rayne scores 38th nationally and 36th within Louisiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Rayne ranks 19,600 for wildfire risk (1 is highest) and 4,114 by building count (1 is largest). Within Louisiana alone, it ranks 312 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
What this risk score means for insurance
Rayne's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 64.8% of buildings rated Minimal exposure, Rayne gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Rayne's 19,600-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Rayne, see the exposure-zones guide.