Appleby, TX
Appleby wildfire risk explained
USFS's Wildfire Risk to Communities model puts Appleby at the 69th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 412 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Appleby's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
92.7% of Appleby's 412 buildings sit in USFS's Direct exposure zone, roughly 382 structures close enough to burnable vegetation for flame contact, not just embers — 7.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Appleby against the rest of the country
Inside Texas, Appleby sits at just the 28th percentile even though it scores 69th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Appleby ranks 9,811 for wildfire risk (1 is highest) and 18,996 by building count (1 is largest). Within Texas alone, it ranks 1,283 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Appleby and the insurance market
Appleby's high rating (69th 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.
What would actually reduce this score
Appleby's 92.7% 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
The methodology guide shows exactly how USFS turned 412 counted buildings into the percentiles shown above for Appleby. For more on what direct exposure implies beyond Appleby, see the exposure-zones guide.