Cactus, TX
How exposed is Cactus to wildfire?
Cactus sits at the 78th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,035 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cactus's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
USFS puts 78.7% of Cactus's 1,035 buildings in the Indirect exposure zone, versus 21.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Cactus against the rest of the country
Cactus's 78th national percentile looks worse in isolation than its 55th ranking inside Texas does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Cactus ranks 7,068 for wildfire risk (1 is highest) and 11,695 by building count (1 is largest). Within Texas alone, it ranks 814 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
Cactus'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
With ember exposure the dominant pattern in Cactus (78.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cactus's figures come from
Every one of the two percentiles behind Cactus's 7,068-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cactus's dominant indirect exposure actually means, with real examples from across the dataset.