Covington, TX
Covington, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Covington at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 208 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Covington at the 87th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Covington's buildings actually sit
208 buildings are counted in Covington, and 63.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Covington compares
There's little gap between Covington's 87th national percentile and its 79th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Covington ranks 3,982 for wildfire risk (1 is highest) and 24,578 by building count (1 is largest). Within Texas alone, it ranks 380 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
Covington's very high rating (87th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Covington's 63.9% 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
Covington's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Covington, see the exposure-zones guide.