Fairfield, TX
Fairfield wildfire risk explained
Out of every US place USFS scores, Fairfield lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,957 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fairfield at the 78th percentile, close to its 77th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 78.2% of Fairfield's 1,957 buildings in the Indirect exposure zone, versus 21.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Fairfield against the rest of the country
Inside Texas, Fairfield sits at just the 53rd percentile even though it scores 77th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Fairfield ranks 7,228 for wildfire risk (1 is highest) and 7,601 by building count (1 is largest). Within Texas alone, it ranks 848 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Fairfield and the insurance market
At the 77th percentile nationally, Fairfield 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Fairfield (78.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Fairfield's 7,228-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fairfield, see the exposure-zones guide.