Lone Oak, TX
How exposed is Lone Oak to wildfire?
USFS scores Lone Oak at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 529 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lone Oak's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Lone Oak's building exposure, zone by zone
Most of Lone Oak's buildings (80.9%) 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.
Where Lone Oak ranks
Lone Oak ranks lower within Texas (44th percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lone Oak ranks 8,145 for wildfire risk (1 is highest) and 16,885 by building count (1 is largest). Within Texas alone, it ranks 1,010 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lone Oak and the insurance market
Lone Oak's high rating (74th 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.
Hardening a home in Lone Oak
Lone Oak's 80.9% 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
The methodology guide shows exactly how USFS turned 529 counted buildings into the percentiles shown above for Lone Oak. For more on what indirect exposure implies beyond Lone Oak, see the exposure-zones guide.