Carbon, TX
Carbon wildfire risk explained
USFS's Wildfire Risk to Communities model puts Carbon at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 255 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Carbon at the 91st percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
62.8% of Carbon's 255 buildings sit in USFS's Direct exposure zone, roughly 160 structures close enough to burnable vegetation for flame contact, not just embers — 37.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Carbon ranks
Carbon's risk sits at a similar level relative to Texas (85th percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Carbon ranks 3,033 for wildfire risk (1 is highest) and 22,994 by building count (1 is largest). Within Texas alone, it ranks 276 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
At the 90th percentile nationally, Carbon carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Carbon's 62.8% 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 Carbon's figures come from
Carbon's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Carbon's dominant direct exposure actually means, with real examples from across the dataset.