Lytle, TX
How exposed is Lytle to wildfire?
Lytle's 1,625 buildings earn a 77th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lytle at the 76th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lytle's building exposure, zone by zone
USFS classifies 49.6% of Lytle's buildings as Direct exposure, higher than its 41.4% Indirect share and far above its 9.1% Minimal share — a profile where 806 structures sit close enough to vegetation that lot clearing matters most.
Where Lytle ranks
Inside Texas, Lytle sits at just the 51st percentile even though it scores 77th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lytle ranks 7,420 for wildfire risk (1 is highest) and 8,677 by building count (1 is largest). Within Texas alone, it ranks 887 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
Lytle's high rating (77th 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.
What would actually reduce this score
Because Direct exposure dominates in Lytle (49.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lytle's figures come from
The methodology guide shows exactly how USFS turned 1,625 counted buildings into the percentiles shown above for Lytle. The exposure-zones guide covers what Lytle's dominant direct exposure actually means, with real examples from across the dataset.