Lovelady, TX
Lovelady wildfire risk explained
USFS scores Lovelady at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 443 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lovelady at the 81st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lovelady's building exposure, zone by zone
443 buildings are counted in Lovelady, and 69.8% of them are Indirect exposure — ember-driven risk rather than the 30.3% in Direct exposure or the 0% rated Minimal.
Where Lovelady ranks
Lovelady ranks lower within Texas (58th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lovelady ranks 6,789 for wildfire risk (1 is highest) and 18,407 by building count (1 is largest). Within Texas alone, it ranks 765 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Lovelady and the insurance market
At the 79th percentile nationally, Lovelady carries the 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
With ember exposure the dominant pattern in Lovelady (69.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Lovelady's 6,789-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Lovelady, see the exposure-zones guide.