Allen, TX
Allen wildfire risk explained
Allen sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 31,358 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Allen at the 56th percentile, close to its 55th-percentile risk score.
Allen's building exposure, zone by zone
Only 1.7% of Allen's 31,358 buildings carry Direct exposure and 2.3% carry Indirect; the remaining 96.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 31,358 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Allen compares
Allen's 55th national percentile looks worse in isolation than its 10th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Allen ranks 14,072 for wildfire risk (1 is highest) and 359 by building count (1 is largest). Within Texas alone, it ranks 1,612 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Allen
Allen's elevated wildfire rating (55th 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.
Lowering exposure, not just insuring around it
Even with 96.1% of Allen 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.
More on how this number was built
Every one of the two percentiles behind Allen's 14,072-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Allen, see the exposure-zones guide.