Bolivar Peninsula, TX
Bolivar Peninsula wildfire risk explained
USFS's Wildfire Risk to Communities model puts Bolivar Peninsula at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 5,632 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bolivar Peninsula at the 98th percentile, close to its 99th-percentile risk score.
Bolivar Peninsula's building exposure, zone by zone
USFS classifies 52.7% of Bolivar Peninsula's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.3% Direct and 24% Indirect — a landscape-level risk rather than a building-by-building one. At 5,632 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bolivar Peninsula ranks
Bolivar Peninsula's risk sits at a similar level relative to Texas (99th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bolivar Peninsula ranks 391 for wildfire risk (1 is highest) and 3,068 by building count (1 is largest). Within Texas alone, it ranks 16 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 99th percentile nationally, Bolivar Peninsula 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.
What would actually reduce this score
With 52.7% of buildings rated Minimal exposure, Bolivar Peninsula gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,632 counted buildings into the percentiles shown above for Bolivar Peninsula. For more on what minimal exposure implies beyond Bolivar Peninsula, see the exposure-zones guide.