Northlake, TX
Northlake wildfire risk explained
USFS scores Northlake at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,995 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Northlake at the 77th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Northlake's buildings actually sit
54% of Northlake's 2,995 buildings sit in USFS's Direct exposure zone, roughly 1,618 structures close enough to burnable vegetation for flame contact, not just embers — 42.8% fall in the Indirect, ember-only zone and 3.2% are Minimal.
Northlake against the rest of the country
Northlake ranks lower within Texas (53rd percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Northlake ranks 7,197 for wildfire risk (1 is highest) and 5,445 by building count (1 is largest). Within Texas alone, it ranks 840 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
Northlake's 77th-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.
Hardening a home in Northlake
With 54% of Northlake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,995 counted buildings into the percentiles shown above for Northlake. For more on what direct exposure implies beyond Northlake, see the exposure-zones guide.