Lyford, TX
How exposed is Lyford to wildfire?
USFS scores Lyford at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,108 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lyford's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 66.8% of Lyford's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 33.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Lyford ranks
Lyford ranks lower within Texas (2nd percentile statewide) than its 31st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lyford ranks 21,668 for wildfire risk (1 is highest) and 11,236 by building count (1 is largest). Within Texas alone, it ranks 1,756 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Lyford
Lyford's moderate wildfire rating (31st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 66.8% of buildings rated Minimal exposure, Lyford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lyford's figures come from
Lyford's 31st-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 Lyford's dominant minimal exposure actually means, with real examples from across the dataset.