Caldwell, TX
How exposed is Caldwell to wildfire?
Caldwell sits at the 70th 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 2,213 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Caldwell at the 72nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
71.7% of Caldwell's 2,213 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Caldwell compares
Caldwell ranks lower within Texas (31st percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Caldwell ranks 9,398 for wildfire risk (1 is highest) and 6,903 by building count (1 is largest). Within Texas alone, it ranks 1,231 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Caldwell and the insurance market
Caldwell's high rating (70th 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
Caldwell's 71.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Caldwell's figures come from
Every one of the two percentiles behind Caldwell's 9,398-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Caldwell's dominant indirect exposure actually means, with real examples from across the dataset.