Harrold, TX
How exposed is Harrold to wildfire?
USFS's Wildfire Risk to Communities model puts Harrold at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 116 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harrold at the 87th percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 50.9% of Harrold's 116 buildings in the Indirect exposure zone, versus 30.2% Direct and 19% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Harrold ranks
Harrold scores 89th nationally and 82nd 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, Harrold ranks 3,445 for wildfire risk (1 is highest) and 28,387 by building count (1 is largest). Within Texas alone, it ranks 316 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
Harrold's 89th-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 Harrold
Because 50.9% of Harrold'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 Harrold's figures come from
Harrold's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Harrold's dominant indirect exposure actually means, with real examples from across the dataset.