Hart, TX
How exposed is Hart to wildfire?
Hart's 620 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hart's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
Hart's building exposure, zone by zone
Only 15% of Hart's 620 buildings carry Direct exposure and 0% carry Indirect; the remaining 85% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Hart against the rest of the country
Hart ranks lower within Texas (4th percentile statewide) than its 45th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hart ranks 17,382 for wildfire risk (1 is highest) and 15,561 by building count (1 is largest). Within Texas alone, it ranks 1,716 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Hart
Hart's elevated wildfire rating (45th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Hart's 85% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Hart's figures come from
Hart's 45th-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 Hart's dominant minimal exposure actually means, with real examples from across the dataset.