Floydada, TX
How exposed is Floydada to wildfire?
USFS's Wildfire Risk to Communities model puts Floydada at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,313 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Floydada's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Floydada's buildings actually sit
Most of Floydada's buildings (84% of 2,313) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Floydada against the rest of the country
Floydada's risk sits at a similar level relative to Texas (87th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Floydada ranks 2,846 for wildfire risk (1 is highest) and 6,673 by building count (1 is largest). Within Texas alone, it ranks 244 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 91st percentile nationally, Floydada carries the very 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.
What would actually reduce this score
Floydada's 84% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Floydada's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Floydada, see the exposure-zones guide.