Llano, TX
Llano, TX's wildfire risk, in USFS's own numbers
Llano's 2,503 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Llano at the 87th percentile, close to its 87th-percentile risk score.
Llano's building exposure, zone by zone
USFS puts 62.8% of Llano's 2,503 buildings in the Indirect exposure zone, versus 37.1% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Llano ranks
Llano scores 87th nationally and 77th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Llano ranks 4,266 for wildfire risk (1 is highest) and 6,292 by building count (1 is largest). Within Texas alone, it ranks 419 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
At the 87th percentile nationally, Llano carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Llano's 62.8% 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
Llano's 87th-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 Llano, see the exposure-zones guide.