Hilltop, TX
Hilltop, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hilltop at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 282 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hilltop at the 79th percentile, close to its 79th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Hilltop: 77.7% of its 282 buildings, versus 22.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Hilltop against the rest of the country
Inside Texas, Hilltop sits at just the 58th percentile even though it scores 79th 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, Hilltop ranks 6,757 for wildfire risk (1 is highest) and 22,139 by building count (1 is largest). Within Texas alone, it ranks 756 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 79th percentile nationally, Hilltop 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.
Hardening a home in Hilltop
Hilltop's 77.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hilltop's figures come from
Hilltop's 79th-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 Hilltop's dominant direct exposure actually means, with real examples from across the dataset.