Bullard, TX
Bullard, TX's wildfire risk, in USFS's own numbers
USFS scores Bullard at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,723 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bullard at the 80th percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Bullard: 52.9% of its 1,723 buildings, versus 47.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Bullard against the rest of the country
Bullard ranks lower within Texas (57th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bullard ranks 6,850 for wildfire risk (1 is highest) and 8,328 by building count (1 is largest). Within Texas alone, it ranks 775 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
Bullard's high rating (78th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Bullard's 52.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Bullard's figures come from
The methodology guide shows exactly how USFS turned 1,723 counted buildings into the percentiles shown above for Bullard. The exposure-zones guide covers what Bullard's dominant direct exposure actually means, with real examples from across the dataset.