Cade Lakes, TX
Cade Lakes, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cade Lakes at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 274 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cade Lakes's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Cade Lakes's building exposure, zone by zone
274 buildings are counted in Cade Lakes, and 97.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.4% rated Minimal.
Cade Lakes against the rest of the country
Cade Lakes's 70th national percentile looks worse in isolation than its 30th ranking inside Texas does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Cade Lakes ranks 9,560 for wildfire risk (1 is highest) and 22,411 by building count (1 is largest). Within Texas alone, it ranks 1,248 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Cade Lakes and the insurance market
At the 70th percentile nationally, Cade Lakes carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Cade Lakes
Cade Lakes's 97.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Cade Lakes's 9,560-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cade Lakes, see the exposure-zones guide.