Bear Creek, TX
Bear Creek wildfire risk explained
USFS's Wildfire Risk to Communities model puts Bear Creek at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 302 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bear Creek at the 71st percentile, close to its 73rd-percentile risk score.
What "at risk" means for the buildings here
Of Bear Creek's 302 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Bear Creek compares
Bear Creek's 73rd national percentile looks worse in isolation than its 39th ranking inside Texas does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Bear Creek ranks 8,549 for wildfire risk (1 is highest) and 21,588 by building count (1 is largest). Within Texas alone, it ranks 1,096 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Bear Creek
Bear Creek's high rating (73rd 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.
What would actually reduce this score
Because Direct exposure dominates in Bear Creek (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bear Creek's 8,549-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bear Creek, see the exposure-zones guide.