Fluvanna, TX
Fluvanna, TX's wildfire risk, in USFS's own numbers
Fluvanna sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 125 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fluvanna at the 65th percentile, close to its 72nd-percentile risk score.
Where Fluvanna's buildings actually sit
125 buildings are counted in Fluvanna, and 61.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 38.4% rated Minimal.
Where Fluvanna ranks
Fluvanna ranks lower within Texas (35th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fluvanna ranks 8,962 for wildfire risk (1 is highest) and 27,963 by building count (1 is largest). Within Texas alone, it ranks 1,160 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Fluvanna and the insurance market
At the 72nd percentile nationally, Fluvanna 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.
What would actually reduce this score
Because Direct exposure dominates in Fluvanna (61.6%), 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
Every one of the two percentiles behind Fluvanna's 8,962-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fluvanna, see the exposure-zones guide.