Dayton Lakes, TX
Dayton Lakes wildfire risk explained
USFS scores Dayton Lakes at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 77 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dayton Lakes at the 69th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
77 buildings are counted in Dayton Lakes, and 100% 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% rated Minimal.
How Dayton Lakes compares
Dayton Lakes's 66th national percentile looks worse in isolation than its 23rd ranking inside Texas does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Dayton Lakes ranks 10,729 for wildfire risk (1 is highest) and 30,030 by building count (1 is largest). Within Texas alone, it ranks 1,382 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Dayton Lakes and the insurance market
At the 66th percentile nationally, Dayton 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Dayton Lakes (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 77 counted buildings into the percentiles shown above for Dayton Lakes. For more on what direct exposure implies beyond Dayton Lakes, see the exposure-zones guide.