El Lago, TX
El Lago, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, El Lago lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,230 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts El Lago at the 69th percentile, close to its 67th-percentile risk score.
Where El Lago's buildings actually sit
Most of El Lago's buildings (95.8% of 1,230) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How El Lago compares
El Lago's 67th national percentile looks worse in isolation than its 24th 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, El Lago ranks 10,413 for wildfire risk (1 is highest) and 10,475 by building count (1 is largest). Within Texas alone, it ranks 1,358 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
El Lago and the insurance market
El Lago's high rating (67th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
El Lago's 95.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind El Lago's 10,413-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond El Lago, see the exposure-zones guide.