Alvarado, TX
How exposed is Alvarado to wildfire?
Out of every US place USFS scores, Alvarado lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,230 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Alvarado at the 84th percentile, close to its 84th-percentile risk score.
Where Alvarado's buildings actually sit
USFS puts 66.1% of Alvarado's 2,230 buildings in the Indirect exposure zone, versus 29.4% Direct and 4.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Alvarado ranks
Alvarado scores 84th nationally and 72nd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Alvarado ranks 5,026 for wildfire risk (1 is highest) and 6,861 by building count (1 is largest). Within Texas alone, it ranks 509 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
Alvarado's very high rating (84th 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.
Hardening a home in Alvarado
With ember exposure the dominant pattern in Alvarado (66.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,230 counted buildings into the percentiles shown above for Alvarado. For more on what indirect exposure implies beyond Alvarado, see the exposure-zones guide.