Lelia Lake, TX
How exposed is Lelia Lake to wildfire?
Lelia Lake sits at the 91st 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 79 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lelia Lake at the 90th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lelia Lake's building exposure, zone by zone
79 buildings are counted in Lelia Lake, and 72.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Lelia Lake ranks
There's little gap between Lelia Lake's 91st national percentile and its 85th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lelia Lake ranks 2,971 for wildfire risk (1 is highest) and 29,947 by building count (1 is largest). Within Texas alone, it ranks 269 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
Lelia Lake's very high rating (91st 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
With 72.2% of Lelia Lake 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 79 counted buildings into the percentiles shown above for Lelia Lake. For more on what direct exposure implies beyond Lelia Lake, see the exposure-zones guide.