Four Points, TX
How exposed is Four Points to wildfire?
Four Points's 33 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Four Points at the 64th percentile, close to its 69th-percentile risk score.
What "at risk" means for the buildings here
100% of Four Points's 33 buildings sit in USFS's Direct exposure zone, roughly 33 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Four Points ranks
Inside Texas, Four Points sits at just the 29th percentile even though it scores 69th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Four Points ranks 9,782 for wildfire risk (1 is highest) and 31,324 by building count (1 is largest). Within Texas alone, it ranks 1,278 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
Four Points's 69th-percentile, 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
Four Points's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Four Points's 9,782-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Four Points, see the exposure-zones guide.