Flat, TX
How exposed is Flat to wildfire?
USFS's Wildfire Risk to Communities model puts Flat at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 152 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Flat's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Flat's building exposure, zone by zone
92.8% of Flat's 152 buildings sit in USFS's Direct exposure zone, roughly 141 structures close enough to burnable vegetation for flame contact, not just embers — 7.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Flat compares
Flat's risk sits at a similar level relative to Texas (90th percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Flat ranks 2,343 for wildfire risk (1 is highest) and 26,827 by building count (1 is largest). Within Texas alone, it ranks 174 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Flat and the insurance market
Flat's 93rd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Flat (92.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Flat's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Flat, see the exposure-zones guide.