Coleman, TX
How exposed is Coleman to wildfire?
Coleman sits at the 86th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 3,625 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coleman at the 84th percentile, close to its 86th-percentile risk score.
Where Coleman's buildings actually sit
3,625 buildings are counted in Coleman, and 77.6% of them are Indirect exposure — ember-driven risk rather than the 22.4% in Direct exposure or the 0% rated Minimal.
Coleman against the rest of the country
Coleman's risk sits at a similar level relative to Texas (75th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Coleman ranks 4,549 for wildfire risk (1 is highest) and 4,629 by building count (1 is largest). Within Texas alone, it ranks 455 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 86th percentile nationally, Coleman carries the very 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
Coleman's 77.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,625 counted buildings into the percentiles shown above for Coleman. For more on what indirect exposure implies beyond Coleman, see the exposure-zones guide.