Concepcion, TX
Concepcion wildfire risk explained
USFS's Wildfire Risk to Communities model puts Concepcion at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 51 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Concepcion at the 86th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
76.5% of Concepcion's 51 buildings sit in USFS's Direct exposure zone, roughly 39 structures close enough to burnable vegetation for flame contact, not just embers — 23.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Concepcion compares
Concepcion's risk sits at a similar level relative to Texas (76th 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, Concepcion ranks 4,423 for wildfire risk (1 is highest) and 30,915 by building count (1 is largest). Within Texas alone, it ranks 440 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Concepcion and the insurance market
At the 86th percentile nationally, Concepcion 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
With 76.5% of Concepcion in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 51 counted buildings into the percentiles shown above for Concepcion. For more on what direct exposure implies beyond Concepcion, see the exposure-zones guide.