Baird, TX
Baird, TX's wildfire risk, in USFS's own numbers
Baird's 1,208 buildings earn a 93rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Baird at the 92nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Baird's buildings actually sit
Most of Baird's buildings (76.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Baird against the rest of the country
Baird scores 93rd nationally and 92nd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Baird ranks 2,090 for wildfire risk (1 is highest) and 10,603 by building count (1 is largest). Within Texas alone, it ranks 140 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
Baird's very high rating (93rd 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
Baird's 76.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Baird's figures come from
Baird's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Baird's dominant indirect exposure actually means, with real examples from across the dataset.