Inez, TX
How exposed is Inez to wildfire?
Inez 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 2,095 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Inez at the 86th percentile, close to its 82nd-percentile risk score.
Where Inez's buildings actually sit
USFS classifies 95.4% of Inez's buildings as Direct exposure, higher than its 4.6% Indirect share and far above its 0% Minimal share — a profile where 1,999 structures sit close enough to vegetation that lot clearing matters most.
Where Inez ranks
Inez's 82nd national percentile looks worse in isolation than its 67th ranking inside Texas does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Inez ranks 5,562 for wildfire risk (1 is highest) and 7,210 by building count (1 is largest). Within Texas alone, it ranks 587 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Inez and the insurance market
Inez'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
Inez's 95.4% 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.
More on how this number was built
Inez's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Inez, see the exposure-zones guide.