Emory, TX
Emory wildfire risk explained
Out of every US place USFS scores, Emory lands at the 73rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 723 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Emory at the 74th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Emory (64.3% of 723 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 35.7% sit in the Direct zone.
How Emory compares
Emory's 73rd national percentile looks worse in isolation than its 39th ranking inside Texas does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Emory ranks 8,585 for wildfire risk (1 is highest) and 14,418 by building count (1 is largest). Within Texas alone, it ranks 1,102 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
Emory's high rating (73rd 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.
What would actually reduce this score
Because 64.3% of Emory's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Emory's figures come from
The methodology guide shows exactly how USFS turned 723 counted buildings into the percentiles shown above for Emory. The exposure-zones guide covers what Emory's dominant indirect exposure actually means, with real examples from across the dataset.