Jarrell, TX
Jarrell, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Jarrell lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,100 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jarrell at the 72nd percentile, close to its 76th-percentile risk score.
Where Jarrell's buildings actually sit
Direct exposure dominates in Jarrell: 54.3% of its 1,100 buildings, versus 39.9% Indirect and 5.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Jarrell against the rest of the country
Jarrell's 76th national percentile looks worse in isolation than its 49th ranking inside Texas does — this place is on the milder end for its own state, by 27 points. Among the 31,521 US communities USFS scores, Jarrell ranks 7,639 for wildfire risk (1 is highest) and 11,277 by building count (1 is largest). Within Texas alone, it ranks 922 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 76th percentile nationally, Jarrell 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 Jarrell
Because Direct exposure dominates in Jarrell (54.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,100 counted buildings into the percentiles shown above for Jarrell. For more on what direct exposure implies beyond Jarrell, see the exposure-zones guide.