Arroyo Colorado Estates, TX
Arroyo Colorado Estates wildfire risk explained
Arroyo Colorado Estates's 286 buildings earn a 57th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arroyo Colorado Estates's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
Arroyo Colorado Estates's building exposure, zone by zone
Most of Arroyo Colorado Estates's buildings (89.5% of 286) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Arroyo Colorado Estates ranks
Inside Texas, Arroyo Colorado Estates sits at just the 11th percentile even though it scores 57th 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, Arroyo Colorado Estates ranks 13,691 for wildfire risk (1 is highest) and 22,019 by building count (1 is largest). Within Texas alone, it ranks 1,595 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Arroyo Colorado Estates and the insurance market
Arroyo Colorado Estates's elevated wildfire rating (57th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Arroyo Colorado Estates's 89.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Arroyo Colorado Estates's 13,691-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Arroyo Colorado Estates, see the exposure-zones guide.