Bonham, TX
Bonham, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bonham lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,922 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bonham at the 74th percentile, close to its 74th-percentile risk score.
Where Bonham's buildings actually sit
Most of Bonham's buildings (73.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Bonham ranks
Bonham ranks lower within Texas (42nd percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bonham ranks 8,267 for wildfire risk (1 is highest) and 4,315 by building count (1 is largest). Within Texas alone, it ranks 1,034 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Bonham and the insurance market
Bonham's 74th-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.
Hardening a home in Bonham
Bonham's 73.1% 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
Bonham's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Bonham, see the exposure-zones guide.