Happy, TX
Happy, TX's wildfire risk, in USFS's own numbers
Happy sits at the 96th 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 515 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Happy at the 97th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
60.8% of Happy's 515 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 39.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Happy ranks
Happy scores 96th nationally and 97th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Happy ranks 1,179 for wildfire risk (1 is highest) and 17,111 by building count (1 is largest). Within Texas alone, it ranks 58 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
Happy's very high rating (96th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 60.8% of Happy's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Happy's figures come from
The methodology guide shows exactly how USFS turned 515 counted buildings into the percentiles shown above for Happy. The exposure-zones guide covers what Happy's dominant indirect exposure actually means, with real examples from across the dataset.