Hull, TX
Hull, TX's wildfire risk, in USFS's own numbers
USFS scores Hull at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 515 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hull's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Hull's buildings actually sit
USFS classifies 72.6% of Hull's buildings as Direct exposure, higher than its 27.4% Indirect share and far above its 0% Minimal share — a profile where 374 structures sit close enough to vegetation that lot clearing matters most.
Where Hull ranks
Inside Texas, Hull sits at just the 60th percentile even though it scores 80th 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, Hull ranks 6,474 for wildfire risk (1 is highest) and 17,112 by building count (1 is largest). Within Texas alone, it ranks 720 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Hull and the insurance market
At the 80th percentile nationally, Hull 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 Hull
Hull's 72.6% 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 Hull's figures come from
Hull's 80th-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 Hull's dominant direct exposure actually means, with real examples from across the dataset.