Fulton, TX
Fulton, TX's wildfire risk, in USFS's own numbers
USFS scores Fulton at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,216 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fulton at the 67th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fulton's building exposure, zone by zone
USFS classifies 89.3% of Fulton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Fulton against the rest of the country
Inside Texas, Fulton sits at just the 21st percentile even though it scores 65th 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, Fulton ranks 11,039 for wildfire risk (1 is highest) and 10,559 by building count (1 is largest). Within Texas alone, it ranks 1,415 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Fulton
Fulton's 65th-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
Even with 89.3% of Fulton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Fulton's figures come from
Fulton's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fulton's dominant minimal exposure actually means, with real examples from across the dataset.