Laguna Seca, TX
Laguna Seca wildfire risk explained
Laguna Seca's 114 buildings earn a 15th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Laguna Seca at the 14th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Laguna Seca's building exposure, zone by zone
72.8% of Laguna Seca's 114 buildings sit in USFS's Direct exposure zone, roughly 83 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 27.2% are Minimal.
Where Laguna Seca ranks
Laguna Seca's risk sits at a similar level relative to Texas (1st percentile statewide) as it does nationally (15th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Laguna Seca ranks 26,834 for wildfire risk (1 is highest) and 28,479 by building count (1 is largest). Within Texas alone, it ranks 1,781 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 Seca's low wildfire rating (15th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Laguna Seca's 72.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Laguna Seca's figures come from
Every one of the two percentiles behind Laguna Seca's 26,834-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Laguna Seca's dominant direct exposure actually means, with real examples from across the dataset.