E. Lopez, TX
How exposed is E. Lopez to wildfire?
USFS scores E. Lopez at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 51 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks E. Lopez at the 93rd national percentile — 1 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
Indirect exposure is dominant in E. Lopez (62.8% of 51 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.3% sit in the Direct zone.
E. Lopez against the rest of the country
There's little gap between E. Lopez's 93rd national percentile and its 90th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, E. Lopez ranks 2,377 for wildfire risk (1 is highest) and 30,916 by building count (1 is largest). Within Texas alone, it ranks 178 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
E. Lopez's 93rd-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
Because 62.8% of E. Lopez's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where E. Lopez's figures come from
The methodology guide shows exactly how USFS turned 51 counted buildings into the percentiles shown above for E. Lopez. The exposure-zones guide covers what E. Lopez's dominant indirect exposure actually means, with real examples from across the dataset.