Brownwood, TX
Brownwood, TX's wildfire risk, in USFS's own numbers
USFS scores Brownwood at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 10,133 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Brownwood's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Brownwood's buildings actually sit
USFS puts 71.1% of Brownwood's 10,133 buildings in the Indirect exposure zone, versus 25.7% Direct and 3.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 10,133 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Brownwood ranks
There's little gap between Brownwood'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, Brownwood ranks 4,105 for wildfire risk (1 is highest) and 1,584 by building count (1 is largest). Within Texas alone, it ranks 396 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Brownwood and the insurance market
At the 87th percentile nationally, Brownwood 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 ember exposure the dominant pattern in Brownwood (71.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Brownwood's 87th-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 Brownwood, see the exposure-zones guide.