Hearne, TX
Hearne wildfire risk explained
USFS scores Hearne at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,343 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hearne's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Hearne's buildings actually sit
USFS puts 81.1% of Hearne's 2,343 buildings in the Indirect exposure zone, versus 18.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Hearne ranks
Inside Texas, Hearne sits at just the 33rd percentile even though it scores 71st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Hearne ranks 9,278 for wildfire risk (1 is highest) and 6,621 by building count (1 is largest). Within Texas alone, it ranks 1,210 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
Hearne's high rating (71st 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 Hearne
Hearne's 81.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Hearne's figures come from
The methodology guide shows exactly how USFS turned 2,343 counted buildings into the percentiles shown above for Hearne. The exposure-zones guide covers what Hearne's dominant indirect exposure actually means, with real examples from across the dataset.