Cross Roads, TX
How exposed is Cross Roads to wildfire?
Cross Roads sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 941 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cross Roads at the 78th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cross Roads's building exposure, zone by zone
941 buildings are counted in Cross Roads, and 92.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.2% rated Minimal.
How Cross Roads compares
Inside Texas, Cross Roads sits at just the 54th percentile even though it scores 77th 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 Roads ranks 7,163 for wildfire risk (1 is highest) and 12,389 by building count (1 is largest). Within Texas alone, it ranks 833 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Cross Roads and the insurance market
Cross Roads's high rating (77th 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.
Hardening a home in Cross Roads
Because Direct exposure dominates in Cross Roads (92.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cross Roads's figures come from
The methodology guide shows exactly how USFS turned 941 counted buildings into the percentiles shown above for Cross Roads. The exposure-zones guide covers what Cross Roads's dominant direct exposure actually means, with real examples from across the dataset.