Carrollton, TX
Carrollton, TX's wildfire risk, in USFS's own numbers
Carrollton sits at the 53rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 38,616 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Carrollton at the 55th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Carrollton's buildings actually sit
Carrollton rates 92.4% Minimal exposure against just 1.3% Direct and 6.3% Indirect — of 38,616 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 38,616 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Carrollton against the rest of the country
Inside Texas, Carrollton sits at just the 8th percentile even though it scores 53rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Carrollton ranks 14,983 for wildfire risk (1 is highest) and 259 by building count (1 is largest). Within Texas alone, it ranks 1,658 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
Carrollton's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Carrollton
Even with 92.4% of Carrollton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Carrollton's 14,983-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Carrollton, see the exposure-zones guide.