Butterfield, TX
Butterfield, TX's wildfire risk, in USFS's own numbers
Butterfield's 83 buildings earn a 60th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Butterfield's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Butterfield: 100% of its 83 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Butterfield against the rest of the country
Butterfield's 60th national percentile looks worse in isolation than its 14th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Butterfield ranks 12,744 for wildfire risk (1 is highest) and 29,784 by building count (1 is largest). Within Texas alone, it ranks 1,552 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
Butterfield's elevated wildfire rating (60th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Butterfield's 100% 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.
More on how this number was built
Every one of the two percentiles behind Butterfield's 12,744-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Butterfield, see the exposure-zones guide.