Bayou Vista, TX
Bayou Vista wildfire risk explained
Out of every US place USFS scores, Bayou Vista lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,134 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bayou Vista at the 90th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Bayou Vista's buildings actually sit
Most of Bayou Vista's buildings (93.7%) 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.
Bayou Vista against the rest of the country
Bayou Vista scores 91st nationally and 88th 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, Bayou Vista ranks 2,720 for wildfire risk (1 is highest) and 11,055 by building count (1 is largest). Within Texas alone, it ranks 219 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
Bayou Vista's very high rating (91st 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.
Hardening a home in Bayou Vista
Because 93.7% of Bayou Vista'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
The methodology guide shows exactly how USFS turned 1,134 counted buildings into the percentiles shown above for Bayou Vista. For more on what indirect exposure implies beyond Bayou Vista, see the exposure-zones guide.