Cleveland, TX
Cleveland wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cleveland at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,267 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cleveland at the 73rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Cleveland's buildings (73%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Cleveland ranks
Cleveland ranks lower within Texas (37th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cleveland ranks 8,803 for wildfire risk (1 is highest) and 5,082 by building count (1 is largest). Within Texas alone, it ranks 1,133 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 72nd percentile nationally, Cleveland 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.
Lowering exposure, not just insuring around it
Cleveland's 73% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Cleveland's figures come from
Every one of the two percentiles behind Cleveland's 8,803-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cleveland's dominant indirect exposure actually means, with real examples from across the dataset.