Brady, TX
How exposed is Brady to wildfire?
Out of every US place USFS scores, Brady lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,509 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Brady's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Brady's building exposure, zone by zone
USFS puts 76.4% of Brady's 3,509 buildings in the Indirect exposure zone, versus 23.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Brady compares
There's little gap between Brady's 87th national percentile and its 78th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Brady ranks 4,140 for wildfire risk (1 is highest) and 4,760 by building count (1 is largest). Within Texas alone, it ranks 403 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Brady and the insurance market
At the 87th percentile nationally, Brady 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
Because 76.4% of Brady's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Brady's figures come from
The methodology guide shows exactly how USFS turned 3,509 counted buildings into the percentiles shown above for Brady. The exposure-zones guide covers what Brady's dominant indirect exposure actually means, with real examples from across the dataset.