Cumings, TX
How exposed is Cumings to wildfire?
Cumings sits at the 63rd 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 791 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumings's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Where Cumings's buildings actually sit
USFS puts 52.7% of Cumings's 791 buildings in the Indirect exposure zone, versus 47.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Cumings against the rest of the country
Cumings ranks lower within Texas (18th percentile statewide) than its 63rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cumings ranks 11,707 for wildfire risk (1 is highest) and 13,723 by building count (1 is largest). Within Texas alone, it ranks 1,467 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Cumings
Cumings's high rating (63rd 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 Cumings
With ember exposure the dominant pattern in Cumings (52.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cumings's figures come from
The methodology guide shows exactly how USFS turned 791 counted buildings into the percentiles shown above for Cumings. The exposure-zones guide covers what Cumings's dominant indirect exposure actually means, with real examples from across the dataset.