Elmendorf, TX
Elmendorf wildfire risk explained
Out of every US place USFS scores, Elmendorf lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,109 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elmendorf's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Elmendorf's buildings actually sit
1,109 buildings are counted in Elmendorf, and 80.8% 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 Elmendorf compares
Elmendorf ranks lower within Texas (52nd percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elmendorf ranks 7,289 for wildfire risk (1 is highest) and 11,228 by building count (1 is largest). Within Texas alone, it ranks 860 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
Elmendorf's 77th-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.
What would actually reduce this score
Because Direct exposure dominates in Elmendorf (80.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Elmendorf's 7,289-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Elmendorf, see the exposure-zones guide.