Cumby, TX
How exposed is Cumby to wildfire?
Cumby's 504 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumby's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Cumby's buildings actually sit
Indirect exposure is dominant in Cumby (62.1% of 504 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.9% sit in the Direct zone.
Where Cumby ranks
Cumby ranks lower within Texas (45th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cumby ranks 8,014 for wildfire risk (1 is highest) and 17,273 by building count (1 is largest). Within Texas alone, it ranks 980 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 75th percentile nationally, Cumby 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.
Hardening a home in Cumby
Because 62.1% of Cumby's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Cumby's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cumby, see the exposure-zones guide.