Albany, TX
Albany wildfire risk explained
Albany's 1,680 buildings earn a 95th-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 Albany at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
1,680 buildings are counted in Albany, and 87.6% of them are Indirect exposure — ember-driven risk rather than the 12.4% in Direct exposure or the 0% rated Minimal.
Albany against the rest of the country
Albany's risk sits at a similar level relative to Texas (95th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Albany ranks 1,555 for wildfire risk (1 is highest) and 8,494 by building count (1 is largest). Within Texas alone, it ranks 86 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
Albany's 95th-percentile, very 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.
What would actually reduce this score
Because 87.6% of Albany's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Albany's figures come from
Every one of the two percentiles behind Albany's 1,555-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Albany's dominant indirect exposure actually means, with real examples from across the dataset.