Hamilton, TX
Hamilton wildfire risk explained
Hamilton's 2,078 buildings earn a 92nd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamilton at the 90th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Hamilton's building exposure, zone by zone
USFS puts 68.8% of Hamilton's 2,078 buildings in the Indirect exposure zone, versus 31.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hamilton compares
There's little gap between Hamilton's 92nd national percentile and its 89th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hamilton ranks 2,594 for wildfire risk (1 is highest) and 7,261 by building count (1 is largest). Within Texas alone, it ranks 202 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Hamilton and the insurance market
At the 92nd percentile nationally, Hamilton 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.
What would actually reduce this score
Hamilton's 68.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Hamilton's 2,594-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hamilton, see the exposure-zones guide.