Lake Kiowa, TX
How exposed is Lake Kiowa to wildfire?
Lake Kiowa sits at the 88th 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 1,674 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Kiowa's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Lake Kiowa's building exposure, zone by zone
USFS classifies 80.6% of Lake Kiowa's buildings as Direct exposure, higher than its 12.3% Indirect share and far above its 7.2% Minimal share — a profile where 1,349 structures sit close enough to vegetation that lot clearing matters most.
Where Lake Kiowa ranks
There's little gap between Lake Kiowa's 88th national percentile and its 80th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lake Kiowa ranks 3,891 for wildfire risk (1 is highest) and 8,509 by building count (1 is largest). Within Texas alone, it ranks 366 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lake Kiowa and the insurance market
Lake Kiowa's 88th-percentile, very 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 Kiowa's 80.6% 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
Every one of the two percentiles behind Lake Kiowa's 3,891-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lake Kiowa, see the exposure-zones guide.