B and E, TX
B and E wildfire risk explained
USFS's Wildfire Risk to Communities model puts B and E at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 115 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks B and E at the 89th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where B and E's buildings actually sit
115 buildings are counted in B and E, and 97.4% of them are Indirect exposure — ember-driven risk rather than the 2.6% in Direct exposure or the 0% rated Minimal.
How B and E compares
There's little gap between B and E's 90th national percentile and its 83rd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, B and E ranks 3,257 for wildfire risk (1 is highest) and 28,429 by building count (1 is largest). Within Texas alone, it ranks 300 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
B and E's 90th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 97.4% of B and E's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
B and E's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond B and E, see the exposure-zones guide.