Hargill, TX
Hargill wildfire risk explained
USFS scores Hargill at the 44th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 403 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hargill at the 45th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hargill's building exposure, zone by zone
Only 30.5% of Hargill's 403 buildings carry Direct exposure and 0% carry Indirect; the remaining 69.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Hargill ranks
Inside Texas, Hargill sits at just the 4th percentile even though it scores 44th 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, Hargill ranks 17,627 for wildfire risk (1 is highest) and 19,160 by building count (1 is largest). Within Texas alone, it ranks 1,719 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 44th national percentile, Hargill rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 69.5% of buildings rated Minimal exposure, Hargill gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 403 counted buildings into the percentiles shown above for Hargill. For more on what minimal exposure implies beyond Hargill, see the exposure-zones guide.