Coyote Acres, TX
Coyote Acres, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Coyote Acres lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 327 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coyote Acres at the 79th percentile, close to its 78th-percentile risk score.
Coyote Acres's building exposure, zone by zone
327 buildings are counted in Coyote Acres, and 99.7% 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.
Where Coyote Acres ranks
Coyote Acres ranks lower within Texas (57th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Coyote Acres ranks 6,817 for wildfire risk (1 is highest) and 20,902 by building count (1 is largest). Within Texas alone, it ranks 768 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
Coyote Acres's high rating (78th 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.
What would actually reduce this score
Because Direct exposure dominates in Coyote Acres (99.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Coyote Acres's 78th-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 Coyote Acres, see the exposure-zones guide.