Cross Mountain, TX
Cross Mountain wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cross Mountain at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,803 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cross Mountain's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
1,803 buildings are counted in Cross Mountain, and 70.5% 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.
Cross Mountain against the rest of the country
Inside Texas, Cross Mountain sits at just the 35th 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, Cross Mountain ranks 8,961 for wildfire risk (1 is highest) and 8,055 by building count (1 is largest). Within Texas alone, it ranks 1,159 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 72nd percentile nationally, Cross Mountain carries the 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
Cross Mountain's 70.5% 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 1,803 counted buildings into the percentiles shown above for Cross Mountain. For more on what direct exposure implies beyond Cross Mountain, see the exposure-zones guide.