Lockett, TX
Lockett, TX's wildfire risk, in USFS's own numbers
USFS scores Lockett at the 53rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 187 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lockett at the 49th percentile, close to its 53rd-percentile risk score.
Lockett's building exposure, zone by zone
Only 15.5% of Lockett's 187 buildings carry Direct exposure and 0% carry Indirect; the remaining 84.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Lockett against the rest of the country
Lockett's 53rd national percentile looks worse in isolation than its 8th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Lockett ranks 14,984 for wildfire risk (1 is highest) and 25,373 by building count (1 is largest). Within Texas alone, it ranks 1,659 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
Lockett's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 84.5% of buildings rated Minimal exposure, Lockett gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Lockett's 53rd-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 Lockett, see the exposure-zones guide.