Graford, TX
Graford wildfire risk explained
Graford's 510 buildings earn a 92nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Graford's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Graford's building exposure, zone by zone
510 buildings are counted in Graford, and 52.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Graford against the rest of the country
Graford's risk sits at a similar level relative to Texas (89th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Graford ranks 2,502 for wildfire risk (1 is highest) and 17,177 by building count (1 is largest). Within Texas alone, it ranks 191 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Graford and the insurance market
Graford's 92nd-percentile, very 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.
Hardening a home in Graford
Because Direct exposure dominates in Graford (52.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 510 counted buildings into the percentiles shown above for Graford. For more on what direct exposure implies beyond Graford, see the exposure-zones guide.