Harker Heights, TX
How exposed is Harker Heights to wildfire?
Out of every US place USFS scores, Harker Heights lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 11,700 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harker Heights's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
47.3% of Harker Heights's 11,700 buildings sit in USFS's Minimal exposure zone, with only 16.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 11,700 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Harker Heights against the rest of the country
Harker Heights ranks lower within Texas (67th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Harker Heights ranks 5,588 for wildfire risk (1 is highest) and 1,336 by building count (1 is largest). Within Texas alone, it ranks 590 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
Harker Heights's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Harker Heights
With 47.3% of buildings rated Minimal exposure, Harker Heights gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harker Heights's figures come from
Every one of the two percentiles behind Harker Heights's 5,588-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harker Heights's dominant minimal exposure actually means, with real examples from across the dataset.