Encinal, TX
Encinal, TX's wildfire risk, in USFS's own numbers
Encinal's 418 buildings earn a 73rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Encinal at the 70th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 67.7% of Encinal's 418 buildings in the Indirect exposure zone, versus 32.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Encinal compares
Encinal ranks lower within Texas (40th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Encinal ranks 8,458 for wildfire risk (1 is highest) and 18,866 by building count (1 is largest). Within Texas alone, it ranks 1,077 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Encinal and the insurance market
Encinal'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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Encinal (67.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Encinal's 8,458-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Encinal, see the exposure-zones guide.