Live Oak, TX
Live Oak, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Live Oak lands at the 58th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 5,396 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Live Oak's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
Live Oak's building exposure, zone by zone
Most of Live Oak's buildings (94.1% of 5,396) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,396 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Live Oak compares
Live Oak ranks lower within Texas (12th percentile statewide) than its 58th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Live Oak ranks 13,345 for wildfire risk (1 is highest) and 3,199 by building count (1 is largest). Within Texas alone, it ranks 1,581 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Live Oak
Live Oak's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 94.1% of Live Oak 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
The methodology guide shows exactly how USFS turned 5,396 counted buildings into the percentiles shown above for Live Oak. For more on what minimal exposure implies beyond Live Oak, see the exposure-zones guide.