Jolly, TX
Jolly wildfire risk explained
Out of every US place USFS scores, Jolly lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 194 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Jolly's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Jolly's building exposure, zone by zone
USFS classifies 69.6% of Jolly's buildings as Direct exposure, higher than its 30.4% Indirect share and far above its 0% Minimal share — a profile where 135 structures sit close enough to vegetation that lot clearing matters most.
How Jolly compares
There's little gap between Jolly's 98th national percentile and its 98th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Jolly ranks 737 for wildfire risk (1 is highest) and 25,101 by building count (1 is largest). Within Texas alone, it ranks 31 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
Jolly's very high rating (98th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Jolly's 69.6% 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.
Where Jolly's figures come from
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Jolly. The exposure-zones guide covers what Jolly's dominant direct exposure actually means, with real examples from across the dataset.