Cooper, TX
How exposed is Cooper to wildfire?
Cooper sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,114 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cooper at the 73rd percentile, close to its 72nd-percentile risk score.
Where Cooper's buildings actually sit
65.5% of Cooper's 1,114 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 34.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Cooper ranks
Inside Texas, Cooper sits at just the 36th percentile even though it scores 72nd 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, Cooper ranks 8,868 for wildfire risk (1 is highest) and 11,193 by building count (1 is largest). Within Texas alone, it ranks 1,143 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
Cooper's 72nd-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.
What would actually reduce this score
Because 65.5% of Cooper's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cooper's 8,868-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Cooper, see the exposure-zones guide.