Bellevue, TX
Bellevue wildfire risk explained
USFS scores Bellevue at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 276 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bellevue at the 97th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bellevue's building exposure, zone by zone
Indirect exposure is dominant in Bellevue (62% of 276 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 38% sit in the Direct zone.
How Bellevue compares
Bellevue's risk sits at a similar level relative to Texas (98th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bellevue ranks 861 for wildfire risk (1 is highest) and 22,339 by building count (1 is largest). Within Texas alone, it ranks 41 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
At the 97th percentile nationally, Bellevue carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Bellevue's 62% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Bellevue's figures come from
Every one of the two percentiles behind Bellevue's 861-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bellevue's dominant indirect exposure actually means, with real examples from across the dataset.