Bertram, TX
Bertram wildfire risk explained
Bertram's 931 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bertram at the 84th percentile, close to its 86th-percentile risk score.
Where Bertram's buildings actually sit
Of Bertram's 931 counted buildings, 50.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Bertram compares
Bertram's risk sits at a similar level relative to Texas (76th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bertram ranks 4,354 for wildfire risk (1 is highest) and 12,467 by building count (1 is largest). Within Texas alone, it ranks 426 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 86th percentile nationally, Bertram 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.
Hardening a home in Bertram
Because Direct exposure dominates in Bertram (50.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bertram's figures come from
The methodology guide shows exactly how USFS turned 931 counted buildings into the percentiles shown above for Bertram. The exposure-zones guide covers what Bertram's dominant direct exposure actually means, with real examples from across the dataset.