Cushing, TX
Cushing wildfire risk explained
Cushing sits at the 68th 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 432 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cushing's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Where Cushing's buildings actually sit
432 buildings are counted in Cushing, and 59.3% of them are Indirect exposure — ember-driven risk rather than the 40.7% in Direct exposure or the 0% rated Minimal.
How Cushing compares
Inside Texas, Cushing sits at just the 26th percentile even though it scores 68th 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, Cushing ranks 10,099 for wildfire risk (1 is highest) and 18,613 by building count (1 is largest). Within Texas alone, it ranks 1,322 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 68th percentile nationally, Cushing 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Cushing (59.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cushing's figures come from
Cushing's 68th-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 Cushing's dominant indirect exposure actually means, with real examples from across the dataset.