Loving, TX
How exposed is Loving to wildfire?
USFS's Wildfire Risk to Communities model puts Loving at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 185 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loving at the 97th percentile, close to its 98th-percentile risk score.
Loving's building exposure, zone by zone
185 buildings are counted in Loving, and 60.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Loving compares
Loving's risk sits at a similar level relative to Texas (98th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Loving ranks 799 for wildfire risk (1 is highest) and 25,439 by building count (1 is largest). Within Texas alone, it ranks 36 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Loving and the insurance market
Loving's very high rating (98th 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 Direct exposure dominates in Loving (60.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Loving's 799-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Loving, see the exposure-zones guide.