Breckenridge, TX
Breckenridge, TX's wildfire risk, in USFS's own numbers
Breckenridge's 3,502 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Breckenridge's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Breckenridge's buildings actually sit
84.8% of Breckenridge's 3,502 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 15.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Breckenridge against the rest of the country
Breckenridge scores 94th nationally and 92nd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Breckenridge ranks 2,057 for wildfire risk (1 is highest) and 4,770 by building count (1 is largest). Within Texas alone, it ranks 136 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Breckenridge
Breckenridge's 94th-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
With ember exposure the dominant pattern in Breckenridge (84.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Breckenridge's figures come from
Breckenridge's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Breckenridge's dominant indirect exposure actually means, with real examples from across the dataset.