Hilltop Lakes, TX
How exposed is Hilltop Lakes to wildfire?
USFS scores Hilltop Lakes at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 907 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hilltop Lakes at the 69th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hilltop Lakes's buildings actually sit
907 buildings are counted in Hilltop Lakes, and 79.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1% rated Minimal.
Hilltop Lakes against the rest of the country
Hilltop Lakes ranks lower within Texas (24th percentile statewide) than its 67th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hilltop Lakes ranks 10,384 for wildfire risk (1 is highest) and 12,666 by building count (1 is largest). Within Texas alone, it ranks 1,357 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Hilltop Lakes
Hilltop Lakes'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.
Hardening a home in Hilltop Lakes
Because Direct exposure dominates in Hilltop Lakes (79.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hilltop Lakes's figures come from
The methodology guide shows exactly how USFS turned 907 counted buildings into the percentiles shown above for Hilltop Lakes. The exposure-zones guide covers what Hilltop Lakes's dominant direct exposure actually means, with real examples from across the dataset.