Caddo Mills, TX
Caddo Mills wildfire risk explained
Caddo Mills's 1,604 buildings earn a 74th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Caddo Mills at the 73rd percentile, close to its 74th-percentile risk score.
Where Caddo Mills's buildings actually sit
1,604 buildings are counted in Caddo Mills, and 64% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Caddo Mills against the rest of the country
Caddo Mills ranks lower within Texas (42nd percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Caddo Mills ranks 8,331 for wildfire risk (1 is highest) and 8,757 by building count (1 is largest). Within Texas alone, it ranks 1,048 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Caddo Mills
Caddo Mills's 74th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Caddo Mills (64%), 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
The methodology guide shows exactly how USFS turned 1,604 counted buildings into the percentiles shown above for Caddo Mills. For more on what direct exposure implies beyond Caddo Mills, see the exposure-zones guide.