Cross Plains, TX
Cross Plains wildfire risk explained
Cross Plains sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 843 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cross Plains at the 89th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Cross Plains's buildings actually sit
Indirect exposure is dominant in Cross Plains (68.5% of 843 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 31.6% sit in the Direct zone.
Cross Plains against the rest of the country
Cross Plains scores 90th nationally and 83rd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cross Plains ranks 3,291 for wildfire risk (1 is highest) and 13,227 by building count (1 is largest). Within Texas alone, it ranks 305 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
Cross Plains's very high rating (90th 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
With ember exposure the dominant pattern in Cross Plains (68.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cross Plains's figures come from
Every one of the two percentiles behind Cross Plains's 3,291-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cross Plains's dominant indirect exposure actually means, with real examples from across the dataset.