Bardwell, TX
Bardwell, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bardwell lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 293 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 Bardwell at the 72nd percentile, close to its 74th-percentile risk score.
Where Bardwell's buildings actually sit
Only 17.4% of Bardwell's 293 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Bardwell ranks
Bardwell's 74th national percentile looks worse in isolation than its 43rd ranking inside Texas does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Bardwell ranks 8,171 for wildfire risk (1 is highest) and 21,838 by building count (1 is largest). Within Texas alone, it ranks 1,013 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Bardwell
Bardwell's 74th-percentile, 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
With 82.6% of buildings rated Minimal exposure, Bardwell gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 293 counted buildings into the percentiles shown above for Bardwell. For more on what minimal exposure implies beyond Bardwell, see the exposure-zones guide.