Lake Brownwood, TX
How exposed is Lake Brownwood to wildfire?
USFS scores Lake Brownwood at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,552 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Brownwood at the 89th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lake Brownwood's building exposure, zone by zone
53% of Lake Brownwood's 1,552 buildings sit in USFS's Direct exposure zone, roughly 822 structures close enough to burnable vegetation for flame contact, not just embers — 41.4% fall in the Indirect, ember-only zone and 5.6% are Minimal.
Lake Brownwood against the rest of the country
Lake Brownwood scores 90th nationally and 83rd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Brownwood ranks 3,323 for wildfire risk (1 is highest) and 8,947 by building count (1 is largest). Within Texas alone, it ranks 310 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
Lake Brownwood's very high rating (90th 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
With 53% of Lake Brownwood 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.
Where Lake Brownwood's figures come from
Every one of the two percentiles behind Lake Brownwood's 3,323-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Brownwood's dominant direct exposure actually means, with real examples from across the dataset.