Bedias, TX
Bedias wildfire risk explained
USFS scores Bedias at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 330 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bedias at the 79th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bedias's building exposure, zone by zone
73.6% of Bedias's 330 buildings sit in USFS's Direct exposure zone, roughly 243 structures close enough to burnable vegetation for flame contact, not just embers — 26.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Bedias ranks
Bedias's 77th national percentile looks worse in isolation than its 52nd ranking inside Texas does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Bedias ranks 7,355 for wildfire risk (1 is highest) and 20,832 by building count (1 is largest). Within Texas alone, it ranks 869 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
Bedias's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Bedias (73.6%), 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 Bedias's 7,355-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bedias, see the exposure-zones guide.