Lancaster, TX
Lancaster, TX's wildfire risk, in USFS's own numbers
Lancaster's 14,727 buildings earn a 65th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lancaster at the 64th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lancaster's building exposure, zone by zone
52.2% of Lancaster's 14,727 buildings sit in USFS's Minimal exposure zone, with only 28.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 14,727 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lancaster compares
Inside Texas, Lancaster sits at just the 21st percentile even though it scores 65th 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, Lancaster ranks 11,107 for wildfire risk (1 is highest) and 1,008 by building count (1 is largest). Within Texas alone, it ranks 1,422 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lancaster and the insurance market
Lancaster's 65th-percentile, 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
Even with 52.2% of Lancaster outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Lancaster's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lancaster, see the exposure-zones guide.