La Coma Heights, TX
How exposed is La Coma Heights to wildfire?
Out of every US place USFS scores, La Coma Heights lands at the 66th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 67 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Coma Heights at the 67th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where La Coma Heights's buildings actually sit
Direct exposure dominates in La Coma Heights: 89.6% of its 67 buildings, versus 10.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where La Coma Heights ranks
Inside Texas, La Coma Heights sits at just the 22nd percentile even though it scores 66th 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, La Coma Heights ranks 10,884 for wildfire risk (1 is highest) and 30,402 by building count (1 is largest). Within Texas alone, it ranks 1,403 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
La Coma Heights's 66th-percentile, 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 Direct exposure dominates in La Coma Heights (89.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where La Coma Heights's figures come from
La Coma Heights's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what La Coma Heights's dominant direct exposure actually means, with real examples from across the dataset.