Howe, TX
How exposed is Howe to wildfire?
Howe's 1,406 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Howe at the 70th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Howe's buildings actually sit
Most of Howe's buildings (60.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Howe compares
Howe's 72nd national percentile looks worse in isolation than its 36th ranking inside Texas does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Howe ranks 8,932 for wildfire risk (1 is highest) and 9,602 by building count (1 is largest). Within Texas alone, it ranks 1,156 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 72nd percentile nationally, Howe 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 Howe
Howe's 60.9% 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.
More on how this number was built
Every one of the two percentiles behind Howe's 8,932-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Howe, see the exposure-zones guide.