Lockhart, TX
Lockhart wildfire risk explained
Lockhart's 5,513 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lockhart's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Lockhart's building exposure, zone by zone
USFS puts 54.8% of Lockhart's 5,513 buildings in the Indirect exposure zone, versus 37.4% Direct and 7.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 5,513 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lockhart compares
Inside Texas, Lockhart sits at just the 35th percentile even though it scores 72nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lockhart ranks 8,993 for wildfire risk (1 is highest) and 3,125 by building count (1 is largest). Within Texas alone, it ranks 1,172 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lockhart and the insurance market
Lockhart's high rating (72nd 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
Lockhart's 54.8% 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.
Where Lockhart's figures come from
Every one of the two percentiles behind Lockhart's 8,993-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lockhart's dominant indirect exposure actually means, with real examples from across the dataset.