Loma Vista, TX
Loma Vista wildfire risk explained
Loma Vista's 44 buildings earn a 86th-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.)
Separately from the risk score above, Loma Vista's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
What "at risk" means for the buildings here
Most of Loma Vista's buildings (100%) 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.
How Loma Vista compares
Loma Vista's risk sits at a similar level relative to Texas (76th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Loma Vista ranks 4,425 for wildfire risk (1 is highest) and 31,084 by building count (1 is largest). Within Texas alone, it ranks 442 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 86th percentile nationally, Loma Vista 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.
Lowering exposure, not just insuring around it
Because 100% of Loma Vista's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Loma Vista's 4,425-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Loma Vista, see the exposure-zones guide.