Lueders, TX
Lueders wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lueders at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 317 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lueders's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Lueders's building exposure, zone by zone
73.2% of Lueders's 317 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 26.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Lueders compares
Lueders's risk sits at a similar level relative to Texas (92nd percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lueders ranks 2,117 for wildfire risk (1 is highest) and 21,193 by building count (1 is largest). Within Texas alone, it ranks 145 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
At the 93rd percentile nationally, Lueders carries the very 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.
What would actually reduce this score
With ember exposure the dominant pattern in Lueders (73.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lueders's figures come from
Lueders's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lueders's dominant indirect exposure actually means, with real examples from across the dataset.