Horseshoe Bay, TX
How exposed is Horseshoe Bay to wildfire?
Horseshoe Bay's 2,947 buildings earn a 81st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Horseshoe Bay's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Horseshoe Bay's buildings actually sit
Direct exposure dominates in Horseshoe Bay: 50.7% of its 2,947 buildings, versus 37.3% Indirect and 11.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Horseshoe Bay compares
Inside Texas, Horseshoe Bay sits at just the 64th percentile even though it scores 81st 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, Horseshoe Bay ranks 5,939 for wildfire risk (1 is highest) and 5,519 by building count (1 is largest). Within Texas alone, it ranks 643 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Horseshoe Bay and the insurance market
At the 81st percentile nationally, Horseshoe Bay carries the very 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 Horseshoe Bay
With 50.7% of Horseshoe Bay in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Horseshoe Bay's figures come from
Horseshoe Bay's 81st-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 Horseshoe Bay's dominant direct exposure actually means, with real examples from across the dataset.