Arroyo Gardens, TX
Arroyo Gardens wildfire risk explained
Arroyo Gardens's 222 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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arroyo Gardens at the 58th percentile, close to its 57th-percentile risk score.
Arroyo Gardens's building exposure, zone by zone
222 buildings are counted in Arroyo Gardens, and 85.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 14.9% rated Minimal.
Where Arroyo Gardens ranks
Arroyo Gardens's 57th national percentile looks worse in isolation than its 11th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Arroyo Gardens ranks 13,440 for wildfire risk (1 is highest) and 24,064 by building count (1 is largest). Within Texas alone, it ranks 1,589 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
Arroyo Gardens's elevated rating (57th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 85.1% of Arroyo Gardens in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Arroyo Gardens's 13,440-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Arroyo Gardens, see the exposure-zones guide.