Addison, TX
How exposed is Addison to wildfire?
USFS scores Addison at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,213 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Addison at the 50th percentile, close to its 45th-percentile risk score.
Where Addison's buildings actually sit
Only 0.8% of Addison's 3,213 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Addison compares
Addison ranks lower within Texas (5th percentile statewide) than its 45th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Addison ranks 17,317 for wildfire risk (1 is highest) and 5,153 by building count (1 is largest). Within Texas alone, it ranks 1,712 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
Addison's elevated wildfire rating (45th 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.
What would actually reduce this score
Even with 99.2% of Addison outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Addison's figures come from
Addison's 45th-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 Addison's dominant minimal exposure actually means, with real examples from across the dataset.