Lago, TX
How exposed is Lago to wildfire?
Out of every US place USFS scores, Lago lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 62 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lago's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Where Lago's buildings actually sit
Only 16.1% of Lago's 62 buildings carry Direct exposure and 0% carry Indirect; the remaining 83.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Lago against the rest of the country
Lago ranks lower within Texas (51st percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lago ranks 7,419 for wildfire risk (1 is highest) and 30,602 by building count (1 is largest). Within Texas alone, it ranks 886 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lago and the insurance market
Lago's high rating (77th 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.
Lowering exposure, not just insuring around it
Lago's 83.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lago's figures come from
The methodology guide shows exactly how USFS turned 62 counted buildings into the percentiles shown above for Lago. The exposure-zones guide covers what Lago's dominant minimal exposure actually means, with real examples from across the dataset.