Fabrica, TX
Fabrica wildfire risk explained
Out of every US place USFS scores, Fabrica lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 351 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fabrica's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where Fabrica's buildings actually sit
USFS puts 99.7% of Fabrica's 351 buildings in the Indirect exposure zone, versus 0.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Fabrica ranks
Fabrica's 48th national percentile looks worse in isolation than its 6th ranking inside Texas does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Fabrica ranks 16,309 for wildfire risk (1 is highest) and 20,292 by building count (1 is largest). Within Texas alone, it ranks 1,694 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
Fabrica's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 99.7% of Fabrica's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fabrica's 16,309-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fabrica, see the exposure-zones guide.