Iredell, TX
Iredell, TX's wildfire risk, in USFS's own numbers
Iredell sits at the 95th 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 279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Iredell's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Iredell's building exposure, zone by zone
58.8% of Iredell's 279 buildings sit in USFS's Direct exposure zone, roughly 164 structures close enough to burnable vegetation for flame contact, not just embers — 41.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Iredell against the rest of the country
There's little gap between Iredell's 95th national percentile and its 95th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Iredell ranks 1,557 for wildfire risk (1 is highest) and 22,244 by building count (1 is largest). Within Texas alone, it ranks 88 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Iredell and the insurance market
At the 95th percentile nationally, Iredell carries the very 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.
Lowering exposure, not just insuring around it
Iredell's 58.8% 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
The methodology guide shows exactly how USFS turned 279 counted buildings into the percentiles shown above for Iredell. For more on what direct exposure implies beyond Iredell, see the exposure-zones guide.