Benjamin, TX
How exposed is Benjamin to wildfire?
Benjamin sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Benjamin at the 63rd national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Benjamin's buildings actually sit
Indirect exposure is dominant in Benjamin (52% of 279 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48% sit in the Direct zone.
Where Benjamin ranks
Benjamin's 69th national percentile looks worse in isolation than its 28th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Benjamin ranks 9,875 for wildfire risk (1 is highest) and 22,242 by building count (1 is largest). Within Texas alone, it ranks 1,293 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Benjamin
Benjamin's 69th-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.
Lowering exposure, not just insuring around it
Because 52% of Benjamin'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 279 counted buildings into the percentiles shown above for Benjamin. For more on what indirect exposure implies beyond Benjamin, see the exposure-zones guide.