Havana, TX
Havana wildfire risk explained
Out of every US place USFS scores, Havana lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 166 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 Havana at the 90th percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 76.5% of Havana's 166 buildings in the Indirect exposure zone, versus 23.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Havana against the rest of the country
There's little gap between Havana's 90th national percentile and its 83rd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Havana ranks 3,322 for wildfire risk (1 is highest) and 26,192 by building count (1 is largest). Within Texas alone, it ranks 309 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Havana and the insurance market
At the 90th percentile nationally, Havana carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Havana
Because 76.5% of Havana'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 Havana's figures come from
Havana's 90th-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 Havana's dominant indirect exposure actually means, with real examples from across the dataset.