Cibolo, TX
How exposed is Cibolo to wildfire?
USFS scores Cibolo at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 11,695 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 Cibolo at the 65th percentile, close to its 66th-percentile risk score.
Cibolo's building exposure, zone by zone
Cibolo rates 51.5% Minimal exposure against just 22.3% Direct and 26.2% Indirect — of 11,695 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 11,695 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Cibolo compares
Cibolo's 66th national percentile looks worse in isolation than its 22nd ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Cibolo ranks 10,882 for wildfire risk (1 is highest) and 1,339 by building count (1 is largest). Within Texas alone, it ranks 1,401 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
At the 66th percentile nationally, Cibolo 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 Cibolo
With 51.5% of buildings rated Minimal exposure, Cibolo gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 11,695 counted buildings into the percentiles shown above for Cibolo. For more on what minimal exposure implies beyond Cibolo, see the exposure-zones guide.