Eureka, TX
Eureka wildfire risk explained
Eureka's 311 buildings earn a 81st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eureka at the 82nd national percentile — 0 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
99.4% of Eureka's 311 buildings sit in USFS's Direct exposure zone, roughly 309 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0.6% are Minimal.
Eureka against the rest of the country
Eureka ranks lower within Texas (65th percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Eureka ranks 5,877 for wildfire risk (1 is highest) and 21,355 by building count (1 is largest). Within Texas alone, it ranks 636 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
Eureka's very high rating (81st 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.
Hardening a home in Eureka
With 99.4% of Eureka in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Eureka's figures come from
Eureka's 81st-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 Eureka's dominant direct exposure actually means, with real examples from across the dataset.