Hubbard, TX
Hubbard, TX's wildfire risk, in USFS's own numbers
Hubbard sits at the 82nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 997 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hubbard at the 82nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
61.8% of Hubbard's 997 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 38.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Hubbard compares
Hubbard ranks lower within Texas (66th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hubbard ranks 5,716 for wildfire risk (1 is highest) and 11,960 by building count (1 is largest). Within Texas alone, it ranks 617 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
Hubbard's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Hubbard's 61.8% 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.
Where Hubbard's figures come from
Hubbard's 82nd-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 Hubbard's dominant indirect exposure actually means, with real examples from across the dataset.