Kemah, TX
Kemah, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kemah lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,175 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kemah at the 67th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Kemah's building exposure, zone by zone
91% of Kemah's 1,175 buildings sit in USFS's Minimal exposure zone, with only 9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Kemah against the rest of the country
Inside Texas, Kemah sits at just the 19th percentile even though it scores 63rd 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, Kemah ranks 11,644 for wildfire risk (1 is highest) and 10,798 by building count (1 is largest). Within Texas alone, it ranks 1,463 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Kemah
At the 63rd percentile nationally, Kemah 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.
Lowering exposure, not just insuring around it
Even with 91% of Kemah outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Kemah's figures come from
Kemah's 63rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kemah's dominant minimal exposure actually means, with real examples from across the dataset.