Loraine, TX
Loraine, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Loraine lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 453 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loraine at the 63rd percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
453 buildings are counted in Loraine, and 48.6% of them are Indirect exposure — ember-driven risk rather than the 42.4% in Direct exposure or the 9.1% rated Minimal.
How Loraine compares
Loraine ranks lower within Texas (25th percentile statewide) than its 67th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loraine ranks 10,319 for wildfire risk (1 is highest) and 18,230 by building count (1 is largest). Within Texas alone, it ranks 1,347 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
Loraine's high rating (67th 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
Because 48.6% of Loraine'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 Loraine's figures come from
The methodology guide shows exactly how USFS turned 453 counted buildings into the percentiles shown above for Loraine. The exposure-zones guide covers what Loraine's dominant indirect exposure actually means, with real examples from across the dataset.