Higgins, TX
How exposed is Higgins to wildfire?
USFS's Wildfire Risk to Communities model puts Higgins at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 445 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Higgins's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
Higgins's building exposure, zone by zone
71.7% of Higgins's 445 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Higgins compares
There's little gap between Higgins's 99th national percentile and its 99th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Higgins ranks 393 for wildfire risk (1 is highest) and 18,371 by building count (1 is largest). Within Texas alone, it ranks 18 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
Higgins's very high rating (99th 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 Higgins
Because 71.7% of Higgins'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.
More on how this number was built
Every one of the two percentiles behind Higgins's 393-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Higgins, see the exposure-zones guide.