Cloverleaf, TX
Cloverleaf wildfire risk explained
Cloverleaf sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 7,984 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cloverleaf at the 55th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cloverleaf's building exposure, zone by zone
Only 0.4% of Cloverleaf's 7,984 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 7,984 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Cloverleaf ranks
Cloverleaf ranks lower within Texas (7th percentile statewide) than its 52nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cloverleaf ranks 15,017 for wildfire risk (1 is highest) and 2,118 by building count (1 is largest). Within Texas alone, it ranks 1,662 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
Cloverleaf's elevated wildfire rating (52nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Cloverleaf's 99.7% 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.
More on how this number was built
Cloverleaf's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Cloverleaf, see the exposure-zones guide.