Electra, TX
Electra wildfire risk explained
Electra sits at the 96th 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 2,125 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Electra at the 96th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Electra's buildings (94.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Electra against the rest of the country
Electra scores 96th nationally and 97th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Electra ranks 1,271 for wildfire risk (1 is highest) and 7,131 by building count (1 is largest). Within Texas alone, it ranks 63 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 96th percentile nationally, Electra 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
With ember exposure the dominant pattern in Electra (94.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Electra's figures come from
The methodology guide shows exactly how USFS turned 2,125 counted buildings into the percentiles shown above for Electra. The exposure-zones guide covers what Electra's dominant indirect exposure actually means, with real examples from across the dataset.