Keene, TX
How exposed is Keene to wildfire?
Keene sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,489 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Keene at the 89th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Keene's building exposure, zone by zone
Of Keene's 2,489 counted buildings, 63.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Keene compares
There's little gap between Keene's 89th national percentile and its 82nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Keene ranks 3,541 for wildfire risk (1 is highest) and 6,320 by building count (1 is largest). Within Texas alone, it ranks 328 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 89th percentile nationally, Keene 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.
What would actually reduce this score
With 63.3% of Keene in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Keene's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Keene, see the exposure-zones guide.