LaCoste, TX
LaCoste wildfire risk explained
LaCoste sits at the 61st 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 655 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 LaCoste at the 60th percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
Most of LaCoste's buildings (78.6% of 655) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
LaCoste against the rest of the country
LaCoste ranks lower within Texas (16th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, LaCoste ranks 12,210 for wildfire risk (1 is highest) and 15,141 by building count (1 is largest). Within Texas alone, it ranks 1,514 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in LaCoste
LaCoste's 61st-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.
Hardening a home in LaCoste
Even with 78.6% of LaCoste outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where LaCoste's figures come from
The methodology guide shows exactly how USFS turned 655 counted buildings into the percentiles shown above for LaCoste. The exposure-zones guide covers what LaCoste's dominant minimal exposure actually means, with real examples from across the dataset.