Celina, TX
Celina wildfire risk explained
USFS scores Celina at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 8,651 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Celina at the 69th percentile, close to its 70th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 44.8% of Celina's buildings as Direct exposure, higher than its 35.1% Indirect share and far above its 20.1% Minimal share — a profile where 3,878 structures sit close enough to vegetation that lot clearing matters most. At 8,651 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Celina ranks
Celina's 70th national percentile looks worse in isolation than its 31st ranking inside Texas does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Celina ranks 9,434 for wildfire risk (1 is highest) and 1,922 by building count (1 is largest). Within Texas alone, it ranks 1,241 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Celina and the insurance market
At the 70th percentile nationally, Celina 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.
Hardening a home in Celina
Celina's 44.8% 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.
More on how this number was built
Celina's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Celina, see the exposure-zones guide.