Frost, TX
How exposed is Frost to wildfire?
Frost sits at the 75th 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 376 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Frost's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Frost's building exposure, zone by zone
USFS puts 62.2% of Frost's 376 buildings in the Indirect exposure zone, versus 37.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Frost ranks
Frost ranks lower within Texas (45th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Frost ranks 8,049 for wildfire risk (1 is highest) and 19,752 by building count (1 is largest). Within Texas alone, it ranks 987 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
Frost's 75th-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.
What would actually reduce this score
Because 62.2% of Frost'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 376 counted buildings into the percentiles shown above for Frost. For more on what indirect exposure implies beyond Frost, see the exposure-zones guide.