Beach City, TX
Beach City wildfire risk explained
Out of every US place USFS scores, Beach City lands at the 81st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,906 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beach City at the 83rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Beach City's buildings actually sit
50% of Beach City's 1,906 buildings sit in USFS's Direct exposure zone, roughly 954 structures close enough to burnable vegetation for flame contact, not just embers — 48.7% fall in the Indirect, ember-only zone and 1.2% are Minimal.
Where Beach City ranks
Beach City ranks lower within Texas (63rd percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Beach City ranks 6,125 for wildfire risk (1 is highest) and 7,750 by building count (1 is largest). Within Texas alone, it ranks 669 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Beach City and the insurance market
Beach City's very high rating (81st 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 Beach City
Beach City's 50% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Beach City's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Beach City, see the exposure-zones guide.