Cove, TX
How exposed is Cove to wildfire?
USFS scores Cove at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 405 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cove's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Cove's building exposure, zone by zone
84.7% of Cove's 405 buildings sit in USFS's Direct exposure zone, roughly 343 structures close enough to burnable vegetation for flame contact, not just embers — 14.6% fall in the Indirect, ember-only zone and 0.7% are Minimal.
How Cove compares
There's little gap between Cove's 89th national percentile and its 82nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cove ranks 3,540 for wildfire risk (1 is highest) and 19,127 by building count (1 is largest). Within Texas alone, it ranks 327 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Cove
At the 89th percentile nationally, Cove 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.
Hardening a home in Cove
Cove's 84.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 405 counted buildings into the percentiles shown above for Cove. For more on what direct exposure implies beyond Cove, see the exposure-zones guide.