Cleburne, TX
Cleburne, TX's wildfire risk, in USFS's own numbers
Cleburne's 13,097 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cleburne at the 92nd percentile, close to its 94th-percentile risk score.
Cleburne's building exposure, zone by zone
Most of Cleburne's buildings (43.2% of 13,097) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 13,097 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Cleburne compares
Cleburne scores 94th nationally and 93rd 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, Cleburne ranks 1,932 for wildfire risk (1 is highest) and 1,165 by building count (1 is largest). Within Texas alone, it ranks 122 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
Cleburne's very high rating (94th 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.
Hardening a home in Cleburne
Cleburne's 43.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Cleburne's figures come from
Every one of the two percentiles behind Cleburne's 1,932-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cleburne's dominant minimal exposure actually means, with real examples from across the dataset.