Comfort, TX
Comfort wildfire risk explained
Comfort's 1,539 buildings earn a 81st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Comfort's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Comfort's building exposure, zone by zone
USFS puts 62.1% of Comfort's 1,539 buildings in the Indirect exposure zone, versus 38% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Comfort compares
Inside Texas, Comfort sits at just the 63rd percentile even though it scores 81st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Comfort ranks 6,128 for wildfire risk (1 is highest) and 8,990 by building count (1 is largest). Within Texas alone, it ranks 672 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Comfort and the insurance market
Comfort'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
With ember exposure the dominant pattern in Comfort (62.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Comfort's figures come from
The methodology guide shows exactly how USFS turned 1,539 counted buildings into the percentiles shown above for Comfort. The exposure-zones guide covers what Comfort's dominant indirect exposure actually means, with real examples from across the dataset.