Ben Arnold, TX
Ben Arnold wildfire risk explained
USFS scores Ben Arnold at the 61st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 163 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ben Arnold at the 61st percentile, close to its 61st-percentile risk score.
Ben Arnold's building exposure, zone by zone
Direct exposure dominates in Ben Arnold: 62% of its 163 buildings, versus 32.5% Indirect and 5.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Ben Arnold compares
Ben Arnold's 61st national percentile looks worse in isolation than its 15th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Ben Arnold ranks 12,399 for wildfire risk (1 is highest) and 26,305 by building count (1 is largest). Within Texas alone, it ranks 1,526 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Ben Arnold and the insurance market
At the 61st percentile nationally, Ben Arnold carries the 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
With 62% of Ben Arnold in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Ben Arnold's figures come from
Every one of the two percentiles behind Ben Arnold's 12,399-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ben Arnold's dominant direct exposure actually means, with real examples from across the dataset.