Lubbock, TX
Lubbock, TX's wildfire risk, in USFS's own numbers
USFS scores Lubbock at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 98,610 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lubbock's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 93.8% of Lubbock's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6% Direct and 0.2% Indirect — a landscape-level risk rather than a building-by-building one. At 98,610 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lubbock against the rest of the country
Lubbock's 68th national percentile looks worse in isolation than its 27th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Lubbock ranks 9,973 for wildfire risk (1 is highest) and 65 by building count (1 is largest). Within Texas alone, it ranks 1,307 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lubbock
Lubbock's 68th-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.
What would actually reduce this score
Even with 93.8% of Lubbock outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lubbock's figures come from
Every one of the two percentiles behind Lubbock's 9,973-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lubbock's dominant minimal exposure actually means, with real examples from across the dataset.