Carmine, TX
Carmine, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Carmine lands at the 66th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 322 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carmine's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Carmine: 78.9% of its 322 buildings, versus 21.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Carmine against the rest of the country
Carmine's 66th national percentile looks worse in isolation than its 22nd ranking inside Texas does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Carmine ranks 10,787 for wildfire risk (1 is highest) and 21,047 by building count (1 is largest). Within Texas alone, it ranks 1,388 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 66th percentile nationally, Carmine carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Carmine (78.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Carmine's figures come from
Every one of the two percentiles behind Carmine's 10,787-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Carmine's dominant direct exposure actually means, with real examples from across the dataset.