Clear Lake Shores, TX
Clear Lake Shores, TX's wildfire risk, in USFS's own numbers
USFS scores Clear Lake Shores at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 639 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clear Lake Shores at the 61st national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Clear Lake Shores's building exposure, zone by zone
USFS classifies 99.4% of Clear Lake Shores's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Clear Lake Shores compares
Inside Texas, Clear Lake Shores sits at just the 11th percentile even though it scores 57th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Clear Lake Shores ranks 13,565 for wildfire risk (1 is highest) and 15,349 by building count (1 is largest). Within Texas alone, it ranks 1,591 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Clear Lake Shores
At the 57th national percentile, Clear Lake Shores rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 99.4% of Clear Lake Shores outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Clear Lake Shores's figures come from
The methodology guide shows exactly how USFS turned 639 counted buildings into the percentiles shown above for Clear Lake Shores. The exposure-zones guide covers what Clear Lake Shores's dominant minimal exposure actually means, with real examples from across the dataset.