Elbert, TX
Elbert, TX's wildfire risk, in USFS's own numbers
Elbert sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 58 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elbert's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Where Elbert's buildings actually sit
58 buildings are counted in Elbert, and 50% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Elbert compares
There's little gap between Elbert's 92nd national percentile and its 88th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Elbert ranks 2,689 for wildfire risk (1 is highest) and 30,730 by building count (1 is largest). Within Texas alone, it ranks 216 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Elbert
Elbert's 92nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Elbert's 50% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Elbert's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Elbert, see the exposure-zones guide.