Little Elm, TX
How exposed is Little Elm to wildfire?
Little Elm sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 15,600 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Little Elm at the 64th percentile, close to its 64th-percentile risk score.
Little Elm's building exposure, zone by zone
Most of Little Elm's buildings (62.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 15,600 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Little Elm against the rest of the country
Little Elm ranks lower within Texas (20th percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Little Elm ranks 11,327 for wildfire risk (1 is highest) and 946 by building count (1 is largest). Within Texas alone, it ranks 1,443 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
Little Elm's high rating (64th 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.
Lowering exposure, not just insuring around it
Little Elm's 62.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Little Elm's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Little Elm, see the exposure-zones guide.