Lake Cherokee, TX
Lake Cherokee wildfire risk explained
Lake Cherokee's 2,898 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Cherokee at the 72nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lake Cherokee's building exposure, zone by zone
81.2% of Lake Cherokee's 2,898 buildings sit in USFS's Direct exposure zone, roughly 2,353 structures close enough to burnable vegetation for flame contact, not just embers — 8.2% fall in the Indirect, ember-only zone and 10.6% are Minimal.
How Lake Cherokee compares
Lake Cherokee ranks lower within Texas (35th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lake Cherokee ranks 8,992 for wildfire risk (1 is highest) and 5,588 by building count (1 is largest). Within Texas alone, it ranks 1,171 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lake Cherokee
Lake Cherokee's 72nd-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
Lake Cherokee's 81.2% 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.
More on how this number was built
Lake Cherokee's 72nd-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 Cherokee, see the exposure-zones guide.