Elkhart, TX
How exposed is Elkhart to wildfire?
Elkhart's 723 buildings earn a 78th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elkhart at the 79th percentile, close to its 78th-percentile risk score.
Elkhart's building exposure, zone by zone
56.4% of Elkhart's 723 buildings sit in USFS's Direct exposure zone, roughly 408 structures close enough to burnable vegetation for flame contact, not just embers — 43.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Elkhart against the rest of the country
Elkhart ranks lower within Texas (55th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elkhart ranks 7,038 for wildfire risk (1 is highest) and 14,417 by building count (1 is largest). Within Texas alone, it ranks 808 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Elkhart and the insurance market
Elkhart's 78th-percentile, 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.
Lowering exposure, not just insuring around it
Elkhart's 56.4% 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
Every one of the two percentiles behind Elkhart's 7,038-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Elkhart, see the exposure-zones guide.