Gruver, TX
How exposed is Gruver to wildfire?
Gruver's 842 buildings earn a 70th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gruver's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Gruver's building exposure, zone by zone
89.4% of Gruver's 842 buildings sit in USFS's Minimal exposure zone, with only 10.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Gruver ranks
Gruver ranks lower within Texas (32nd percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Gruver ranks 9,369 for wildfire risk (1 is highest) and 13,237 by building count (1 is largest). Within Texas alone, it ranks 1,225 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Gruver and the insurance market
Gruver's 70th-percentile, 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
With 89.4% of buildings rated Minimal exposure, Gruver gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Gruver's figures come from
The methodology guide shows exactly how USFS turned 842 counted buildings into the percentiles shown above for Gruver. The exposure-zones guide covers what Gruver's dominant minimal exposure actually means, with real examples from across the dataset.