Lamar, TX
How exposed is Lamar to wildfire?
Out of every US place USFS scores, Lamar lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,039 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lamar at the 78th percentile, close to its 79th-percentile risk score.
Lamar's building exposure, zone by zone
USFS classifies 53.3% of Lamar's buildings as Direct exposure, higher than its 30.4% Indirect share and far above its 16.3% Minimal share — a profile where 554 structures sit close enough to vegetation that lot clearing matters most.
How Lamar compares
Inside Texas, Lamar sits at just the 59th percentile even though it scores 79th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lamar ranks 6,599 for wildfire risk (1 is highest) and 11,665 by building count (1 is largest). Within Texas alone, it ranks 739 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
Lamar's high rating (79th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Lamar's 53.3% 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
The methodology guide shows exactly how USFS turned 1,039 counted buildings into the percentiles shown above for Lamar. For more on what direct exposure implies beyond Lamar, see the exposure-zones guide.