Joaquin, TX
Joaquin wildfire risk explained
Joaquin's 544 buildings earn a 61st-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Joaquin at the 62nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Joaquin: 73% of its 544 buildings, versus 27% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Joaquin compares
Joaquin ranks lower within Texas (16th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Joaquin ranks 12,209 for wildfire risk (1 is highest) and 16,663 by building count (1 is largest). Within Texas alone, it ranks 1,513 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
Joaquin's 61st-percentile, 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.
What would actually reduce this score
Because Direct exposure dominates in Joaquin (73%), 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
Every one of the two percentiles behind Joaquin's 12,209-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Joaquin, see the exposure-zones guide.