Lake Dunlap, TX
Lake Dunlap, TX's wildfire risk, in USFS's own numbers
Lake Dunlap's 1,110 buildings earn a 63rd-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.)
Separately from the risk score above, Lake Dunlap's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 63.2% of Lake Dunlap's buildings as Direct exposure, higher than its 0% Indirect share and far above its 36.8% Minimal share — a profile where 702 structures sit close enough to vegetation that lot clearing matters most.
How Lake Dunlap compares
Lake Dunlap's 63rd national percentile looks worse in isolation than its 18th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Lake Dunlap ranks 11,833 for wildfire risk (1 is highest) and 11,221 by building count (1 is largest). Within Texas alone, it ranks 1,476 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 63rd percentile nationally, Lake Dunlap carries the 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 63.2% of Lake Dunlap 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 Dunlap's figures come from
Lake Dunlap's 63rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lake Dunlap's dominant direct exposure actually means, with real examples from across the dataset.