Alma, TX
Alma, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Alma at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 377 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Alma at the 81st percentile, close to its 81st-percentile risk score.
Alma's building exposure, zone by zone
Of Alma's 377 counted buildings, 88.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Alma ranks
Alma's 81st national percentile looks worse in isolation than its 64th ranking inside Texas does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Alma ranks 5,906 for wildfire risk (1 is highest) and 19,732 by building count (1 is largest). Within Texas alone, it ranks 639 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Alma
Alma's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Alma's 88.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Alma's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Alma, see the exposure-zones guide.