Hardin, TX
Hardin wildfire risk explained
Out of every US place USFS scores, Hardin lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 685 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hardin's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Hardin's buildings actually sit
Of Hardin's 685 counted buildings, 82.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Hardin against the rest of the country
Inside Texas, Hardin sits at just the 54th percentile even though it scores 78th 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, Hardin ranks 7,072 for wildfire risk (1 is highest) and 14,821 by building count (1 is largest). Within Texas alone, it ranks 818 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Hardin
At the 78th percentile nationally, Hardin 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 Hardin
Because Direct exposure dominates in Hardin (82.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hardin's figures come from
The methodology guide shows exactly how USFS turned 685 counted buildings into the percentiles shown above for Hardin. The exposure-zones guide covers what Hardin's dominant direct exposure actually means, with real examples from across the dataset.