Bandera, TX
Bandera, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bandera lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 773 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bandera at the 74th percentile, close to its 76th-percentile risk score.
Bandera's building exposure, zone by zone
66.6% of Bandera's 773 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 33.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Bandera compares
Bandera's 76th national percentile looks worse in isolation than its 49th ranking inside Texas does — this place is on the milder end for its own state, by 27 points. Among the 31,521 US communities USFS scores, Bandera ranks 7,637 for wildfire risk (1 is highest) and 13,895 by building count (1 is largest). Within Texas alone, it ranks 920 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
At the 76th percentile nationally, Bandera carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Bandera
With ember exposure the dominant pattern in Bandera (66.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Bandera's 7,637-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bandera, see the exposure-zones guide.