Granite Shoals, TX
Granite Shoals, TX's wildfire risk, in USFS's own numbers
Granite Shoals sits at the 83rd 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 3,419 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Granite Shoals at the 82nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Granite Shoals's building exposure, zone by zone
Only 32.1% of Granite Shoals's 3,419 buildings carry Direct exposure and 16.1% carry Indirect; the remaining 51.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Granite Shoals against the rest of the country
Granite Shoals's risk sits at a similar level relative to Texas (68th percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Granite Shoals ranks 5,497 for wildfire risk (1 is highest) and 4,891 by building count (1 is largest). Within Texas alone, it ranks 576 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Granite Shoals and the insurance market
Granite Shoals's 83rd-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.
Lowering exposure, not just insuring around it
Granite Shoals's 51.8% 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
Granite Shoals's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Granite Shoals, see the exposure-zones guide.