Christine, TX
Christine, TX's wildfire risk, in USFS's own numbers
USFS scores Christine at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 253 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 Christine at the 88th percentile, close to its 89th-percentile risk score.
Where Christine's buildings actually sit
USFS classifies 62.5% of Christine's buildings as Direct exposure, higher than its 37.6% Indirect share and far above its 0% Minimal share — a profile where 158 structures sit close enough to vegetation that lot clearing matters most.
Where Christine ranks
Christine scores 89th nationally and 81st within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Christine ranks 3,637 for wildfire risk (1 is highest) and 23,062 by building count (1 is largest). Within Texas alone, it ranks 336 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
Christine's 89th-percentile, very 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.
What would actually reduce this score
Because Direct exposure dominates in Christine (62.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Christine's figures come from
Every one of the two percentiles behind Christine's 3,637-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Christine's dominant direct exposure actually means, with real examples from across the dataset.