Granbury, TX
How exposed is Granbury to wildfire?
Granbury's 5,817 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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Granbury at the 91st percentile, close to its 92nd-percentile risk score.
Where Granbury's buildings actually sit
52.6% of Granbury's 5,817 buildings sit in USFS's Minimal exposure zone, with only 23.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,817 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Granbury compares
There's little gap between Granbury's 92nd national percentile and its 89th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Granbury ranks 2,593 for wildfire risk (1 is highest) and 2,965 by building count (1 is largest). Within Texas alone, it ranks 201 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
At the 92nd percentile nationally, Granbury 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.
Hardening a home in Granbury
Granbury's 52.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,817 counted buildings into the percentiles shown above for Granbury. For more on what minimal exposure implies beyond Granbury, see the exposure-zones guide.