Lone Star, TX
Lone Star wildfire risk explained
USFS scores Lone Star at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 891 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lone Star at the 67th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lone Star's buildings actually sit
78.2% of Lone Star's 891 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 19.4% Direct and 2.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Lone Star compares
Lone Star ranks lower within Texas (23rd percentile statewide) than its 66th 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 Star ranks 10,790 for wildfire risk (1 is highest) and 12,807 by building count (1 is largest). Within Texas alone, it ranks 1,391 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
Lone Star's high rating (66th 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.
What would actually reduce this score
Because 78.2% of Lone Star'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.
Where Lone Star's figures come from
Lone Star's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lone Star's dominant indirect exposure actually means, with real examples from across the dataset.