Topaz Lake, NV
Topaz Lake, NV's wildfire risk, in USFS's own numbers
Topaz Lake's 204 buildings earn a 97th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Topaz Lake at the 98th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
204 buildings are counted in Topaz Lake, and 65.7% of them are Indirect exposure — ember-driven risk rather than the 34.3% in Direct exposure or the 0% rated Minimal.
Topaz Lake against the rest of the country
Topaz Lake ranks lower within Nevada (71st percentile statewide) than its 97th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Topaz Lake ranks 822 for wildfire risk (1 is highest) and 24,701 by building count (1 is largest). Within Nevada alone, it ranks 39 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
Topaz Lake and the insurance market
At the 97th percentile nationally, Topaz Lake 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
Topaz Lake's 65.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Topaz Lake's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Topaz Lake, see the exposure-zones guide.