Commerce, TX
Commerce wildfire risk explained
USFS scores Commerce at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,214 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Commerce at the 75th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Commerce's buildings actually sit
USFS puts 62.9% of Commerce's 3,214 buildings in the Indirect exposure zone, versus 37.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Commerce compares
Inside Texas, Commerce sits at just the 43rd percentile even though it scores 74th 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, Commerce ranks 8,241 for wildfire risk (1 is highest) and 5,151 by building count (1 is largest). Within Texas alone, it ranks 1,031 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Commerce
Commerce's 74th-percentile, 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Commerce (62.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Commerce's figures come from
Every one of the two percentiles behind Commerce's 8,241-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Commerce's dominant indirect exposure actually means, with real examples from across the dataset.