East Bernard, TX
East Bernard wildfire risk explained
USFS's Wildfire Risk to Communities model puts East Bernard at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,474 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks East Bernard at the 68th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where East Bernard's buildings actually sit
54.5% of East Bernard's 1,474 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 45.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
East Bernard against the rest of the country
East Bernard ranks lower within Texas (23rd percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, East Bernard ranks 10,761 for wildfire risk (1 is highest) and 9,293 by building count (1 is largest). Within Texas alone, it ranks 1,386 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
East Bernard's high rating (66th 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.
Lowering exposure, not just insuring around it
Because 54.5% of East Bernard'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
East Bernard's 66th-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 East Bernard, see the exposure-zones guide.