Cape Royale, TX
Cape Royale, TX's wildfire risk, in USFS's own numbers
Cape Royale sits at the 73rd 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 731 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cape Royale at the 73rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Cape Royale's 731 counted buildings, 65% carry Direct exposure and only 24.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Cape Royale ranks
Cape Royale ranks lower within Texas (39th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cape Royale ranks 8,519 for wildfire risk (1 is highest) and 14,326 by building count (1 is largest). Within Texas alone, it ranks 1,089 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
Cape Royale's 73rd-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.
Hardening a home in Cape Royale
Cape Royale's 65% 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.
Where Cape Royale's figures come from
The methodology guide shows exactly how USFS turned 731 counted buildings into the percentiles shown above for Cape Royale. The exposure-zones guide covers what Cape Royale's dominant direct exposure actually means, with real examples from across the dataset.