Bedford, TX
How exposed is Bedford to wildfire?
USFS scores Bedford at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 15,515 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bedford at the 51st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bedford's buildings actually sit
USFS classifies 94.4% of Bedford's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 15,515 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Bedford compares
Bedford ranks lower within Texas (6th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bedford ranks 16,120 for wildfire risk (1 is highest) and 951 by building count (1 is largest). Within Texas alone, it ranks 1,690 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Bedford and the insurance market
At the 49th national percentile, Bedford rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 94.4% of buildings rated Minimal exposure, Bedford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bedford's figures come from
The methodology guide shows exactly how USFS turned 15,515 counted buildings into the percentiles shown above for Bedford. The exposure-zones guide covers what Bedford's dominant minimal exposure actually means, with real examples from across the dataset.