Campo Verde, TX
Campo Verde wildfire risk explained
USFS scores Campo Verde at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 44 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Campo Verde at the 87th percentile, close to its 87th-percentile risk score.
Campo Verde's building exposure, zone by zone
USFS puts 86.4% of Campo Verde's 44 buildings in the Indirect exposure zone, versus 13.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Campo Verde compares
There's little gap between Campo Verde's 87th national percentile and its 77th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Campo Verde ranks 4,261 for wildfire risk (1 is highest) and 31,082 by building count (1 is largest). Within Texas alone, it ranks 414 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Campo Verde and the insurance market
Campo Verde's very high rating (87th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Campo Verde (86.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Campo Verde's figures come from
Every one of the two percentiles behind Campo Verde's 4,261-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Campo Verde's dominant indirect exposure actually means, with real examples from across the dataset.