Collinsville, TX
Collinsville wildfire risk explained
Collinsville sits at the 81st 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 902 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Collinsville's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
What "at risk" means for the buildings here
52.6% of Collinsville's 902 buildings sit in USFS's Direct exposure zone, roughly 474 structures close enough to burnable vegetation for flame contact, not just embers — 47.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Collinsville against the rest of the country
Collinsville's 81st national percentile looks worse in isolation than its 64th ranking inside Texas does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Collinsville ranks 6,031 for wildfire risk (1 is highest) and 12,711 by building count (1 is largest). Within Texas alone, it ranks 654 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
Collinsville's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Collinsville's 52.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 902 counted buildings into the percentiles shown above for Collinsville. For more on what direct exposure implies beyond Collinsville, see the exposure-zones guide.