Harper, TX
Harper, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Harper lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,682 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harper at the 80th percentile, close to its 82nd-percentile risk score.
Where Harper's buildings actually sit
Of Harper's 1,682 counted buildings, 95.8% 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.
Harper against the rest of the country
Harper ranks lower within Texas (66th 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, Harper ranks 5,687 for wildfire risk (1 is highest) and 8,487 by building count (1 is largest). Within Texas alone, it ranks 609 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
Harper's very high rating (82nd 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.
Hardening a home in Harper
Harper's 95.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Harper's 5,687-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harper, see the exposure-zones guide.