Bellmead, TX
Bellmead, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bellmead at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 4,522 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 Bellmead at the 69th percentile, close to its 68th-percentile risk score.
What "at risk" means for the buildings here
49.5% of Bellmead's 4,522 buildings sit in USFS's Minimal exposure zone, with only 45.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Bellmead ranks
Bellmead ranks lower within Texas (26th percentile statewide) than its 68th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bellmead ranks 10,159 for wildfire risk (1 is highest) and 3,776 by building count (1 is largest). Within Texas alone, it ranks 1,329 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
Bellmead's high rating (68th 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 Bellmead
Even with 49.5% of Bellmead outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bellmead's figures come from
The methodology guide shows exactly how USFS turned 4,522 counted buildings into the percentiles shown above for Bellmead. The exposure-zones guide covers what Bellmead's dominant minimal exposure actually means, with real examples from across the dataset.