Clay, TX
How exposed is Clay to wildfire?
Clay's 120 buildings earn a 62nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clay's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
What "at risk" means for the buildings here
Of Clay's 120 counted buildings, 95.8% 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 Clay compares
Clay's 62nd national percentile looks worse in isolation than its 18th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Clay ranks 11,864 for wildfire risk (1 is highest) and 28,171 by building count (1 is largest). Within Texas alone, it ranks 1,480 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Clay and the insurance market
Clay's high rating (62nd 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.
What would actually reduce this score
Clay's 95.8% 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.
Where Clay's figures come from
Clay's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Clay's dominant direct exposure actually means, with real examples from across the dataset.