Callender Lake, TX
How exposed is Callender Lake to wildfire?
Callender Lake sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 636 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Callender Lake at the 79th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Callender Lake's building exposure, zone by zone
636 buildings are counted in Callender Lake, and 71.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 8.2% rated Minimal.
Where Callender Lake ranks
Callender Lake ranks lower within Texas (53rd percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Callender Lake ranks 7,258 for wildfire risk (1 is highest) and 15,397 by building count (1 is largest). Within Texas alone, it ranks 853 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
Callender Lake's 77th-percentile, 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.
Hardening a home in Callender Lake
With 71.1% of Callender Lake 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 Callender Lake's figures come from
Callender Lake's 77th-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 Callender Lake's dominant direct exposure actually means, with real examples from across the dataset.