El Chaparral, TX
El Chaparral, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts El Chaparral at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 124 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, El Chaparral's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
El Chaparral's building exposure, zone by zone
USFS puts 96% of El Chaparral's 124 buildings in the Indirect exposure zone, versus 4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where El Chaparral ranks
El Chaparral's risk sits at a similar level relative to Texas (73rd percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, El Chaparral ranks 4,832 for wildfire risk (1 is highest) and 28,004 by building count (1 is largest). Within Texas alone, it ranks 490 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in El Chaparral
At the 85th percentile nationally, El Chaparral carries the very 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
El Chaparral's 96% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where El Chaparral's figures come from
El Chaparral's 85th-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 El Chaparral's dominant indirect exposure actually means, with real examples from across the dataset.