Bluetown, TX
Bluetown, TX's wildfire risk, in USFS's own numbers
USFS scores Bluetown at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 227 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bluetown at the 46th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bluetown's building exposure, zone by zone
USFS classifies 57.3% of Bluetown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 42.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Bluetown compares
Bluetown's 45th national percentile looks worse in isolation than its 5th 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, Bluetown ranks 17,318 for wildfire risk (1 is highest) and 23,894 by building count (1 is largest). Within Texas alone, it ranks 1,713 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 45th national percentile, Bluetown rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Bluetown
Bluetown's 57.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Bluetown's figures come from
The methodology guide shows exactly how USFS turned 227 counted buildings into the percentiles shown above for Bluetown. The exposure-zones guide covers what Bluetown's dominant minimal exposure actually means, with real examples from across the dataset.