Joshua, TX
Joshua, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Joshua at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,713 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Joshua's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Joshua's buildings actually sit
USFS classifies 63.4% of Joshua's buildings as Direct exposure, higher than its 36.5% Indirect share and far above its 0.1% Minimal share — a profile where 2,354 structures sit close enough to vegetation that lot clearing matters most.
How Joshua compares
Joshua's risk sits at a similar level relative to Texas (78th percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Joshua ranks 4,107 for wildfire risk (1 is highest) and 4,506 by building count (1 is largest). Within Texas alone, it ranks 398 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 87th percentile nationally, Joshua 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
Joshua's 63.4% 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 Joshua's figures come from
The methodology guide shows exactly how USFS turned 3,713 counted buildings into the percentiles shown above for Joshua. The exposure-zones guide covers what Joshua's dominant direct exposure actually means, with real examples from across the dataset.