Laguna Heights, TX
How exposed is Laguna Heights to wildfire?
Laguna Heights sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 351 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 Laguna Heights at the 85th percentile, close to its 88th-percentile risk score.
Where Laguna Heights's buildings actually sit
USFS puts 96.3% of Laguna Heights's 351 buildings in the Indirect exposure zone, versus 2.9% Direct and 0.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Laguna Heights compares
There's little gap between Laguna Heights's 88th national percentile and its 80th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Laguna Heights ranks 3,762 for wildfire risk (1 is highest) and 20,294 by building count (1 is largest). Within Texas alone, it ranks 355 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
Laguna Heights's very high rating (88th 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
Because 96.3% of Laguna Heights's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Laguna Heights's figures come from
The methodology guide shows exactly how USFS turned 351 counted buildings into the percentiles shown above for Laguna Heights. The exposure-zones guide covers what Laguna Heights's dominant indirect exposure actually means, with real examples from across the dataset.