Elm Creek, TX
How exposed is Elm Creek to wildfire?
Elm Creek sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,196 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elm Creek's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Where Elm Creek's buildings actually sit
Indirect exposure is dominant in Elm Creek (92.5% of 1,196 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 7.5% sit in the Direct zone.
Where Elm Creek ranks
Elm Creek's 62nd national percentile looks worse in isolation than its 16th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Elm Creek ranks 12,080 for wildfire risk (1 is highest) and 10,673 by building count (1 is largest). Within Texas alone, it ranks 1,501 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Elm Creek
At the 62nd percentile nationally, Elm Creek carries the 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.
Hardening a home in Elm Creek
Elm Creek's 92.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,196 counted buildings into the percentiles shown above for Elm Creek. For more on what indirect exposure implies beyond Elm Creek, see the exposure-zones guide.