La Vernia, TX
La Vernia, TX's wildfire risk, in USFS's own numbers
La Vernia sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 823 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts La Vernia at the 76th percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
57.6% of La Vernia's 823 buildings sit in USFS's Direct exposure zone, roughly 474 structures close enough to burnable vegetation for flame contact, not just embers — 42.4% fall in the Indirect, ember-only zone and 0% are Minimal.
La Vernia against the rest of the country
La Vernia ranks lower within Texas (46th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, La Vernia ranks 7,988 for wildfire risk (1 is highest) and 13,419 by building count (1 is largest). Within Texas alone, it ranks 977 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
La Vernia and the insurance market
At the 75th percentile nationally, La Vernia carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 57.6% of La Vernia in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
La Vernia's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond La Vernia, see the exposure-zones guide.