Amarillo, TX
Amarillo wildfire risk explained
Amarillo's 86,922 buildings earn a 96th-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 Amarillo at the 96th percentile, close to its 96th-percentile risk score.
Amarillo's building exposure, zone by zone
Only 6.5% of Amarillo's 86,922 buildings carry Direct exposure and 5.4% carry Indirect; the remaining 88.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 86,922 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Amarillo ranks
Amarillo's risk sits at a similar level relative to Texas (96th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Amarillo ranks 1,397 for wildfire risk (1 is highest) and 86 by building count (1 is largest). Within Texas alone, it ranks 73 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Amarillo and the insurance market
At the 96th percentile nationally, Amarillo carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Amarillo
Even with 88.2% of Amarillo 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 Amarillo's figures come from
The methodology guide shows exactly how USFS turned 86,922 counted buildings into the percentiles shown above for Amarillo. The exposure-zones guide covers what Amarillo's dominant minimal exposure actually means, with real examples from across the dataset.