Elmo, TX
Elmo, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Elmo at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 622 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elmo at the 77th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Elmo's buildings actually sit
Of Elmo's 622 counted buildings, 94.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Elmo ranks
Inside Texas, Elmo sits at just the 50th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Elmo ranks 7,541 for wildfire risk (1 is highest) and 15,534 by building count (1 is largest). Within Texas alone, it ranks 906 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Elmo
Elmo's 76th-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 Elmo (94.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Elmo's figures come from
The methodology guide shows exactly how USFS turned 622 counted buildings into the percentiles shown above for Elmo. The exposure-zones guide covers what Elmo's dominant direct exposure actually means, with real examples from across the dataset.