Bluff Dale, TX
Bluff Dale, TX's wildfire risk, in USFS's own numbers
USFS scores Bluff Dale at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 154 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 Bluff Dale at the 91st percentile, close to its 91st-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Bluff Dale (52.6% of 154 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47.4% sit in the Direct zone.
Where Bluff Dale ranks
Bluff Dale's risk sits at a similar level relative to Texas (88th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bluff Dale ranks 2,747 for wildfire risk (1 is highest) and 26,726 by building count (1 is largest). Within Texas alone, it ranks 225 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Bluff Dale
Bluff Dale's 91st-percentile, very 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.
What would actually reduce this score
Bluff Dale's 52.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 154 counted buildings into the percentiles shown above for Bluff Dale. For more on what indirect exposure implies beyond Bluff Dale, see the exposure-zones guide.