Gunter, TX
Gunter, TX's wildfire risk, in USFS's own numbers
USFS scores Gunter at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 873 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gunter's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Gunter's buildings actually sit
USFS classifies 64.5% of Gunter's buildings as Direct exposure, higher than its 35.5% Indirect share and far above its 0% Minimal share — a profile where 563 structures sit close enough to vegetation that lot clearing matters most.
Gunter against the rest of the country
Inside Texas, Gunter sits at just the 42nd percentile even though it scores 74th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Gunter ranks 8,302 for wildfire risk (1 is highest) and 12,965 by building count (1 is largest). Within Texas alone, it ranks 1,043 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 74th percentile nationally, Gunter carries the 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 Gunter
With 64.5% of Gunter in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Gunter's figures come from
Every one of the two percentiles behind Gunter's 8,302-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gunter's dominant direct exposure actually means, with real examples from across the dataset.