Cedar Creek, TX
Cedar Creek, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cedar Creek at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,597 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cedar Creek's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 99.3% of Cedar Creek's buildings as Direct exposure, higher than its 0.8% Indirect share and far above its 0% Minimal share — a profile where 1,585 structures sit close enough to vegetation that lot clearing matters most.
How Cedar Creek compares
Cedar Creek ranks lower within Texas (37th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cedar Creek ranks 8,708 for wildfire risk (1 is highest) and 8,782 by building count (1 is largest). Within Texas alone, it ranks 1,123 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Cedar Creek and the insurance market
Cedar Creek's 72nd-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 Cedar Creek
Cedar Creek's 99.3% 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 Cedar Creek's figures come from
The methodology guide shows exactly how USFS turned 1,597 counted buildings into the percentiles shown above for Cedar Creek. The exposure-zones guide covers what Cedar Creek's dominant direct exposure actually means, with real examples from across the dataset.