Florence, TX
How exposed is Florence to wildfire?
USFS scores Florence at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 684 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Florence at the 88th percentile, close to its 90th-percentile risk score.
Where Florence's buildings actually sit
Most of Florence's buildings (70.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Florence against the rest of the country
Florence scores 90th nationally and 83rd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Florence ranks 3,258 for wildfire risk (1 is highest) and 14,829 by building count (1 is largest). Within Texas alone, it ranks 301 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Florence and the insurance market
Florence's very high rating (90th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Florence
Because 70.8% of Florence'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
The methodology guide shows exactly how USFS turned 684 counted buildings into the percentiles shown above for Florence. For more on what indirect exposure implies beyond Florence, see the exposure-zones guide.