Emerald Bay, TX
Emerald Bay wildfire risk explained
Out of every US place USFS scores, Emerald Bay lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 697 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Emerald Bay's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
What "at risk" means for the buildings here
Most of Emerald Bay's buildings (90.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Emerald Bay against the rest of the country
Emerald Bay's 72nd national percentile looks worse in isolation than its 36th ranking inside Texas does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Emerald Bay ranks 8,931 for wildfire risk (1 is highest) and 14,698 by building count (1 is largest). Within Texas alone, it ranks 1,155 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Emerald Bay and the insurance market
Emerald Bay's high rating (72nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Emerald Bay's 90.1% 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 697 counted buildings into the percentiles shown above for Emerald Bay. For more on what indirect exposure implies beyond Emerald Bay, see the exposure-zones guide.