Lott, TX
Lott, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lott at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 499 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lott's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
Most of Lott's buildings (66.3%) 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.
Lott against the rest of the country
Inside Texas, Lott sits at just the 17th percentile even though it scores 62nd 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, Lott ranks 11,960 for wildfire risk (1 is highest) and 17,382 by building count (1 is largest). Within Texas alone, it ranks 1,488 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lott
Lott's 62nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 66.3% of Lott'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
The methodology guide shows exactly how USFS turned 499 counted buildings into the percentiles shown above for Lott. For more on what indirect exposure implies beyond Lott, see the exposure-zones guide.