Franklin, TX
Franklin, TX's wildfire risk, in USFS's own numbers
Franklin's 907 buildings earn a 78th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Franklin at the 80th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Franklin's building exposure, zone by zone
70.1% of Franklin's 907 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Franklin compares
Franklin ranks lower within Texas (57th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Franklin ranks 6,819 for wildfire risk (1 is highest) and 12,665 by building count (1 is largest). Within Texas alone, it ranks 770 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
Franklin's 78th-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
With ember exposure the dominant pattern in Franklin (70.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Franklin's figures come from
The methodology guide shows exactly how USFS turned 907 counted buildings into the percentiles shown above for Franklin. The exposure-zones guide covers what Franklin's dominant indirect exposure actually means, with real examples from across the dataset.