Lake City, TX
Lake City wildfire risk explained
Lake City sits at the 60th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 521 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake City's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 53.7% of Lake City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 46.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lake City against the rest of the country
Lake City's 60th national percentile looks worse in isolation than its 14th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Lake City ranks 12,495 for wildfire risk (1 is highest) and 17,017 by building count (1 is largest). Within Texas alone, it ranks 1,534 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lake City
Lake City's 60th-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.
What would actually reduce this score
With 53.7% of buildings rated Minimal exposure, Lake City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lake City's figures come from
Every one of the two percentiles behind Lake City's 12,495-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake City's dominant minimal exposure actually means, with real examples from across the dataset.