Belterra, TX
Belterra, TX's wildfire risk, in USFS's own numbers
Belterra's 2,037 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Belterra's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Belterra (64% of 2,037 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36% sit in the Direct zone.
Where Belterra ranks
Belterra's 74th national percentile looks worse in isolation than its 42nd ranking inside Texas does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Belterra ranks 8,329 for wildfire risk (1 is highest) and 7,367 by building count (1 is largest). Within Texas alone, it ranks 1,046 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Belterra and the insurance market
Belterra's high rating (74th 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 Belterra
Because 64% of Belterra's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Belterra's figures come from
The methodology guide shows exactly how USFS turned 2,037 counted buildings into the percentiles shown above for Belterra. The exposure-zones guide covers what Belterra's dominant indirect exposure actually means, with real examples from across the dataset.