Lake Bryan, TX
How exposed is Lake Bryan to wildfire?
USFS's Wildfire Risk to Communities model puts Lake Bryan at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,086 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Bryan's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Lake Bryan's buildings actually sit
Of Lake Bryan's 1,086 counted buildings, 88.7% carry Direct exposure and only 0.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Lake Bryan compares
Lake Bryan's 73rd national percentile looks worse in isolation than its 40th ranking inside Texas does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Lake Bryan ranks 8,459 for wildfire risk (1 is highest) and 11,369 by building count (1 is largest). Within Texas alone, it ranks 1,078 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 Bryan's 73rd-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lake Bryan (88.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Lake Bryan's 73rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Lake Bryan, see the exposure-zones guide.