La Joya, TX
La Joya wildfire risk explained
USFS scores La Joya at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,719 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Joya at the 81st national percentile — 0 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 La Joya (83% of 1,719 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 9.5% sit in the Direct zone.
How La Joya compares
La Joya's 81st national percentile looks worse in isolation than its 63rd ranking inside Texas does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, La Joya ranks 6,032 for wildfire risk (1 is highest) and 8,350 by building count (1 is largest). Within Texas alone, it ranks 655 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 Joya's very high rating (81st 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.
What would actually reduce this score
With ember exposure the dominant pattern in La Joya (83% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where La Joya's figures come from
La Joya's 81st-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 Joya's dominant indirect exposure actually means, with real examples from across the dataset.