Arcola, TX
Arcola, TX's wildfire risk, in USFS's own numbers
USFS scores Arcola at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 834 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arcola at the 74th percentile, close to its 70th-percentile risk score.
Arcola's building exposure, zone by zone
USFS classifies 57.4% of Arcola's buildings as Direct exposure, higher than its 42.1% Indirect share and far above its 0.5% Minimal share — a profile where 479 structures sit close enough to vegetation that lot clearing matters most.
How Arcola compares
Arcola's 70th national percentile looks worse in isolation than its 32nd ranking inside Texas does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Arcola ranks 9,337 for wildfire risk (1 is highest) and 13,309 by building count (1 is largest). Within Texas alone, it ranks 1,218 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
Arcola's high rating (70th 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
Because Direct exposure dominates in Arcola (57.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Arcola's 9,337-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Arcola, see the exposure-zones guide.