Elsa, TX
How exposed is Elsa to wildfire?
Elsa's 2,375 buildings earn a 50th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elsa's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Elsa's building exposure, zone by zone
Most of Elsa's buildings (87.9% of 2,375) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Elsa against the rest of the country
Elsa's 50th national percentile looks worse in isolation than its 6th ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Elsa ranks 15,742 for wildfire risk (1 is highest) and 6,560 by building count (1 is largest). Within Texas alone, it ranks 1,680 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Elsa and the insurance market
At the 50th national percentile, Elsa rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 87.9% of Elsa outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Elsa's figures come from
The methodology guide shows exactly how USFS turned 2,375 counted buildings into the percentiles shown above for Elsa. The exposure-zones guide covers what Elsa's dominant minimal exposure actually means, with real examples from across the dataset.