La Esperanza, TX
La Esperanza wildfire risk explained
La Esperanza's 75 buildings earn a 95th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Esperanza at the 96th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where La Esperanza's buildings actually sit
75 buildings are counted in La Esperanza, and 66.7% of them are Indirect exposure — ember-driven risk rather than the 33.3% in Direct exposure or the 0% rated Minimal.
How La Esperanza compares
There's little gap between La Esperanza's 95th national percentile and its 95th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, La Esperanza ranks 1,590 for wildfire risk (1 is highest) and 30,109 by building count (1 is largest). Within Texas alone, it ranks 91 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 Esperanza's 95th-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.
Hardening a home in La Esperanza
La Esperanza's 66.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where La Esperanza's figures come from
La Esperanza's 95th-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 Esperanza's dominant indirect exposure actually means, with real examples from across the dataset.