Humble, TX
How exposed is Humble to wildfire?
USFS's Wildfire Risk to Communities model puts Humble at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 5,474 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 Humble at the 58th percentile, close to its 56th-percentile risk score.
What "at risk" means for the buildings here
5,474 buildings are counted in Humble, and 52.4% of them are Indirect exposure — ember-driven risk rather than the 6.2% in Direct exposure or the 41.5% rated Minimal. At 5,474 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Humble against the rest of the country
Humble ranks lower within Texas (11th percentile statewide) than its 56th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Humble ranks 13,787 for wildfire risk (1 is highest) and 3,151 by building count (1 is largest). Within Texas alone, it ranks 1,601 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
Humble's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Humble
With ember exposure the dominant pattern in Humble (52.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Humble's figures come from
Humble's 56th-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 Humble's dominant indirect exposure actually means, with real examples from across the dataset.