Bulverde, TX
Bulverde wildfire risk explained
Bulverde's 3,165 buildings earn a 79th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bulverde at the 77th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Bulverde's 3,165 counted buildings, 92.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Bulverde ranks
Bulverde's 79th national percentile looks worse in isolation than its 58th ranking inside Texas does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Bulverde ranks 6,695 for wildfire risk (1 is highest) and 5,210 by building count (1 is largest). Within Texas alone, it ranks 747 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
At the 79th percentile nationally, Bulverde carries the 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.
Hardening a home in Bulverde
Because Direct exposure dominates in Bulverde (92.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Bulverde's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Bulverde, see the exposure-zones guide.