Everman, TX
How exposed is Everman to wildfire?
USFS's Wildfire Risk to Communities model puts Everman at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,174 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Everman at the 78th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Everman's building exposure, zone by zone
Everman rates 86.3% Minimal exposure against just 13.7% Direct and 0% Indirect — of 2,174 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Everman against the rest of the country
Everman's 78th national percentile looks worse in isolation than its 57th ranking inside Texas does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Everman ranks 6,818 for wildfire risk (1 is highest) and 7,008 by building count (1 is largest). Within Texas alone, it ranks 769 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 78th percentile nationally, Everman carries the 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
Even with 86.3% of Everman outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Everman's 6,818-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Everman, see the exposure-zones guide.