Heartland, TX
Heartland, TX's wildfire risk, in USFS's own numbers
USFS scores Heartland at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,151 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Heartland's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Heartland (92.5% of 3,151 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 7.5% sit in the Direct zone.
How Heartland compares
Heartland ranks lower within Texas (40th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Heartland ranks 8,490 for wildfire risk (1 is highest) and 5,231 by building count (1 is largest). Within Texas alone, it ranks 1,084 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
At the 73rd percentile nationally, Heartland carries the 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.
What would actually reduce this score
Because 92.5% of Heartland'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 Heartland's figures come from
Heartland's 73rd-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 Heartland's dominant indirect exposure actually means, with real examples from across the dataset.