Estelline, TX
How exposed is Estelline to wildfire?
Estelline sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 141 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Estelline at the 88th percentile, close to its 90th-percentile risk score.
Where Estelline's buildings actually sit
141 buildings are counted in Estelline, and 54.6% of them are Indirect exposure — ember-driven risk rather than the 45.4% in Direct exposure or the 0% rated Minimal.
Estelline against the rest of the country
Estelline's risk sits at a similar level relative to Texas (83rd percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Estelline ranks 3,321 for wildfire risk (1 is highest) and 27,269 by building count (1 is largest). Within Texas alone, it ranks 308 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Estelline and the insurance market
At the 90th percentile nationally, Estelline 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.
Hardening a home in Estelline
Estelline's 54.6% 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.
Where Estelline's figures come from
Estelline's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Estelline's dominant indirect exposure actually means, with real examples from across the dataset.