Kempner, TX
How exposed is Kempner to wildfire?
Kempner sits at the 87th 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 734 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kempner at the 86th percentile, close to its 87th-percentile risk score.
Where Kempner's buildings actually sit
734 buildings are counted in Kempner, and 80.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Kempner ranks
There's little gap between Kempner's 87th national percentile and its 79th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kempner ranks 3,983 for wildfire risk (1 is highest) and 14,291 by building count (1 is largest). Within Texas alone, it ranks 381 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Kempner
Kempner's very high rating (87th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Kempner (80.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Kempner's figures come from
Kempner's 87th-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 Kempner's dominant direct exposure actually means, with real examples from across the dataset.