Combes, TX
How exposed is Combes to wildfire?
USFS scores Combes at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,537 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Combes at the 48th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Combes's building exposure, zone by zone
USFS classifies 55.4% of Combes's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 44.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Combes compares
Combes's 46th national percentile looks worse in isolation than its 5th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Combes ranks 17,003 for wildfire risk (1 is highest) and 9,003 by building count (1 is largest). Within Texas alone, it ranks 1,707 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Combes and the insurance market
Combes's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 55.4% of Combes outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Combes's figures come from
The methodology guide shows exactly how USFS turned 1,537 counted buildings into the percentiles shown above for Combes. The exposure-zones guide covers what Combes's dominant minimal exposure actually means, with real examples from across the dataset.