Josephine, TX
Josephine wildfire risk explained
USFS's Wildfire Risk to Communities model puts Josephine at the 67th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 895 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Josephine at the 67th percentile, close to its 67th-percentile risk score.
Josephine's building exposure, zone by zone
USFS puts 49.5% of Josephine's 895 buildings in the Indirect exposure zone, versus 47.6% Direct and 2.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Josephine against the rest of the country
Inside Texas, Josephine sits at just the 25th percentile even though it scores 67th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Josephine ranks 10,318 for wildfire risk (1 is highest) and 12,772 by building count (1 is largest). Within Texas alone, it ranks 1,346 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 67th percentile nationally, Josephine 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.
What would actually reduce this score
With ember exposure the dominant pattern in Josephine (49.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Josephine's figures come from
The methodology guide shows exactly how USFS turned 895 counted buildings into the percentiles shown above for Josephine. The exposure-zones guide covers what Josephine's dominant indirect exposure actually means, with real examples from across the dataset.