Chapeno, TX
Chapeno, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Chapeno at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 26 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 Chapeno at the 94th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
Of Chapeno's 26 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Chapeno compares
Chapeno's risk sits at a similar level relative to Texas (95th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chapeno ranks 1,712 for wildfire risk (1 is highest) and 31,407 by building count (1 is largest). Within Texas alone, it ranks 100 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
Chapeno's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Chapeno (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Chapeno's 95th-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 Chapeno, see the exposure-zones guide.