Coyote Flats, TX
Coyote Flats wildfire risk explained
Coyote Flats's 231 buildings earn a 93rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coyote Flats at the 93rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Coyote Flats's buildings actually sit
100% of Coyote Flats's 231 buildings sit in USFS's Direct exposure zone, roughly 231 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Coyote Flats ranks
Coyote Flats's risk sits at a similar level relative to Texas (92nd percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Coyote Flats ranks 2,091 for wildfire risk (1 is highest) and 23,775 by building count (1 is largest). Within Texas alone, it ranks 141 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
At the 93rd percentile nationally, Coyote Flats 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.
What would actually reduce this score
Because Direct exposure dominates in Coyote Flats (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Coyote Flats's figures come from
Coyote Flats's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Coyote Flats's dominant direct exposure actually means, with real examples from across the dataset.