Spearsville, LA
How exposed is Spearsville to wildfire?
Spearsville's 135 buildings earn a 52nd-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, Spearsville's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
Where Spearsville's buildings actually sit
Of Spearsville's 135 counted buildings, 79.3% 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.
How Spearsville compares
Spearsville's risk sits at a similar level relative to Louisiana (60th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spearsville ranks 15,248 for wildfire risk (1 is highest) and 27,493 by building count (1 is largest). Within Louisiana alone, it ranks 194 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
Spearsville and the insurance market
Spearsville's elevated wildfire rating (52nd 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
With 79.3% of Spearsville 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 Spearsville's figures come from
Spearsville's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Spearsville's dominant direct exposure actually means, with real examples from across the dataset.