Hawley, TX
How exposed is Hawley to wildfire?
Hawley sits at the 91st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 511 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hawley at the 89th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 53.2% of Hawley's buildings as Direct exposure, higher than its 46.8% Indirect share and far above its 0% Minimal share — a profile where 272 structures sit close enough to vegetation that lot clearing matters most.
Hawley against the rest of the country
There's little gap between Hawley's 91st national percentile and its 85th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hawley ranks 3,005 for wildfire risk (1 is highest) and 17,163 by building count (1 is largest). Within Texas alone, it ranks 274 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Hawley and the insurance market
Hawley's very high rating (91st 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.
What would actually reduce this score
Because Direct exposure dominates in Hawley (53.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hawley's figures come from
Every one of the two percentiles behind Hawley's 3,005-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hawley's dominant direct exposure actually means, with real examples from across the dataset.