Groves, TX
How exposed is Groves to wildfire?
Groves sits at the 92nd 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 8,272 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 Groves at the 89th percentile, close to its 92nd-percentile risk score.
Groves's building exposure, zone by zone
Only 2.4% of Groves's 8,272 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,272 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Groves against the rest of the country
Groves's risk sits at a similar level relative to Texas (88th 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, Groves ranks 2,658 for wildfire risk (1 is highest) and 2,022 by building count (1 is largest). Within Texas alone, it ranks 211 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
Groves'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.
What would actually reduce this score
Even with 97.6% of Groves outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Groves's figures come from
Groves's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Groves's dominant minimal exposure actually means, with real examples from across the dataset.