Huntsville, TX
Huntsville wildfire risk explained
Huntsville's 10,133 buildings earn a 73rd-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Huntsville at the 75th percentile, close to its 73rd-percentile risk score.
Huntsville's building exposure, zone by zone
USFS puts 49.8% of Huntsville's 10,133 buildings in the Indirect exposure zone, versus 36.7% Direct and 13.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 10,133 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Huntsville against the rest of the country
Inside Texas, Huntsville sits at just the 41st percentile even though it scores 73rd 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, Huntsville ranks 8,391 for wildfire risk (1 is highest) and 1,585 by building count (1 is largest). Within Texas alone, it ranks 1,058 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 73rd percentile nationally, Huntsville 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.
What would actually reduce this score
Because 49.8% of Huntsville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Huntsville's figures come from
Huntsville's 73rd-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 Huntsville's dominant indirect exposure actually means, with real examples from across the dataset.