Encino, TX
Encino wildfire risk explained
USFS scores Encino at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 193 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Encino at the 90th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Encino's buildings actually sit
193 buildings are counted in Encino, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Encino compares
There's little gap between Encino's 89th national percentile and its 82nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Encino ranks 3,444 for wildfire risk (1 is highest) and 25,139 by building count (1 is largest). Within Texas alone, it ranks 315 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
At the 89th percentile nationally, Encino carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Encino's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Encino's figures come from
The methodology guide shows exactly how USFS turned 193 counted buildings into the percentiles shown above for Encino. The exposure-zones guide covers what Encino's dominant direct exposure actually means, with real examples from across the dataset.