Fate, TX
Fate, TX's wildfire risk, in USFS's own numbers
USFS scores Fate at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 7,355 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fate's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Where Fate's buildings actually sit
Indirect exposure is dominant in Fate (51.1% of 7,355 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 24.8% sit in the Direct zone. At 7,355 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fate against the rest of the country
Fate ranks lower within Texas (30th percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fate ranks 9,561 for wildfire risk (1 is highest) and 2,323 by building count (1 is largest). Within Texas alone, it ranks 1,249 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 70th percentile nationally, Fate 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.
Hardening a home in Fate
Fate's 51.1% 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 Fate's figures come from
Every one of the two percentiles behind Fate's 9,561-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fate's dominant indirect exposure actually means, with real examples from across the dataset.