Buffalo Springs Lake, TX
Buffalo Springs Lake, TX's wildfire risk, in USFS's own numbers
Buffalo Springs Lake's 387 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Buffalo Springs Lake at the 80th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 39% of Buffalo Springs Lake's 387 buildings carry Direct exposure and 16.3% carry Indirect; the remaining 44.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Buffalo Springs Lake compares
Buffalo Springs Lake ranks lower within Texas (66th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Buffalo Springs Lake ranks 5,713 for wildfire risk (1 is highest) and 19,476 by building count (1 is largest). Within Texas alone, it ranks 614 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
Buffalo Springs Lake's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Buffalo Springs Lake's 44.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Buffalo Springs Lake's figures come from
The methodology guide shows exactly how USFS turned 387 counted buildings into the percentiles shown above for Buffalo Springs Lake. The exposure-zones guide covers what Buffalo Springs Lake's dominant minimal exposure actually means, with real examples from across the dataset.