Granjeno, TX
Granjeno wildfire risk explained
Granjeno's 122 buildings earn a 80th-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, Granjeno's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Granjeno's building exposure, zone by zone
USFS puts 78.7% of Granjeno's 122 buildings in the Indirect exposure zone, versus 21.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Granjeno compares
Granjeno's 80th national percentile looks worse in isolation than its 62nd ranking inside Texas does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Granjeno ranks 6,221 for wildfire risk (1 is highest) and 28,087 by building count (1 is largest). Within Texas alone, it ranks 684 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 80th percentile nationally, Granjeno 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
With ember exposure the dominant pattern in Granjeno (78.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Granjeno's figures come from
The methodology guide shows exactly how USFS turned 122 counted buildings into the percentiles shown above for Granjeno. The exposure-zones guide covers what Granjeno's dominant indirect exposure actually means, with real examples from across the dataset.