Lake Meredith Estates, TX
Lake Meredith Estates wildfire risk explained
Lake Meredith Estates sits at the 99th 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 432 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Meredith Estates at the 100th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lake Meredith Estates's building exposure, zone by zone
432 buildings are counted in Lake Meredith Estates, and 66% of them are Indirect exposure — ember-driven risk rather than the 34% in Direct exposure or the 0% rated Minimal.
How Lake Meredith Estates compares
There's little gap between Lake Meredith Estates's 99th national percentile and its 100th 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 Meredith Estates ranks 234 for wildfire risk (1 is highest) and 18,614 by building count (1 is largest). Within Texas alone, it ranks 7 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lake Meredith Estates
Lake Meredith Estates's 99th-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.
What would actually reduce this score
With ember exposure the dominant pattern in Lake Meredith Estates (66% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lake Meredith Estates's figures come from
The methodology guide shows exactly how USFS turned 432 counted buildings into the percentiles shown above for Lake Meredith Estates. The exposure-zones guide covers what Lake Meredith Estates's dominant indirect exposure actually means, with real examples from across the dataset.