Gatesville, TX
How exposed is Gatesville to wildfire?
Gatesville sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 4,610 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 Gatesville at the 89th percentile, close to its 90th-percentile risk score.
Gatesville's building exposure, zone by zone
Most of Gatesville's buildings (58.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Gatesville ranks
There's little gap between Gatesville's 90th national percentile and its 84th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gatesville ranks 3,101 for wildfire risk (1 is highest) and 3,693 by building count (1 is largest). Within Texas alone, it ranks 285 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Gatesville
At the 90th percentile nationally, Gatesville carries the very 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.
Lowering exposure, not just insuring around it
Because 58.5% of Gatesville'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
Every one of the two percentiles behind Gatesville's 3,101-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Gatesville, see the exposure-zones guide.