Cross Timber, TX
Cross Timber wildfire risk explained
Out of every US place USFS scores, Cross Timber lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 364 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 Cross Timber at the 87th percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
98.9% of Cross Timber's 364 buildings sit in USFS's Direct exposure zone, roughly 360 structures close enough to burnable vegetation for flame contact, not just embers — 1.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Cross Timber against the rest of the country
There's little gap between Cross Timber's 87th national percentile and its 77th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cross Timber ranks 4,262 for wildfire risk (1 is highest) and 19,991 by building count (1 is largest). Within Texas alone, it ranks 415 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Cross Timber and the insurance market
Cross Timber's 87th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Cross Timber (98.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cross Timber's figures come from
Cross Timber's 87th-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 Cross Timber's dominant direct exposure actually means, with real examples from across the dataset.