Lake Colorado City, TX
How exposed is Lake Colorado City to wildfire?
Lake Colorado City sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,173 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Colorado City's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
What "at risk" means for the buildings here
1,173 buildings are counted in Lake Colorado City, and 68.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.8% rated Minimal.
Lake Colorado City against the rest of the country
Lake Colorado City scores 90th nationally and 84th 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 Colorado City ranks 3,159 for wildfire risk (1 is highest) and 10,812 by building count (1 is largest). Within Texas alone, it ranks 290 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
At the 90th percentile nationally, Lake Colorado City carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 68.8% of Lake Colorado City 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.
More on how this number was built
Lake Colorado City's 90th-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 Colorado City, see the exposure-zones guide.