Bay City, TX
Bay City, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bay City lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 7,421 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 Bay City at the 79th percentile, close to its 76th-percentile risk score.
Bay City's building exposure, zone by zone
USFS puts 86.6% of Bay City's 7,421 buildings in the Indirect exposure zone, versus 13.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 7,421 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Bay City compares
Bay City's 76th national percentile looks worse in isolation than its 48th 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, Bay City ranks 7,699 for wildfire risk (1 is highest) and 2,300 by building count (1 is largest). Within Texas alone, it ranks 931 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Bay City
Bay City's high rating (76th 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.
Lowering exposure, not just insuring around it
Bay City's 86.6% 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.
More on how this number was built
Bay City's 76th-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 Bay City, see the exposure-zones guide.