Kerrville, TX
How exposed is Kerrville to wildfire?
Kerrville's 10,921 buildings earn a 77th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kerrville's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Kerrville's building exposure, zone by zone
59% of Kerrville's 10,921 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 30.9% Direct and 10.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 10,921 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Kerrville compares
Kerrville's 77th national percentile looks worse in isolation than its 53rd ranking inside Texas does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Kerrville ranks 7,165 for wildfire risk (1 is highest) and 1,449 by building count (1 is largest). Within Texas alone, it ranks 835 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
Kerrville's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Kerrville (59% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Kerrville's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Kerrville, see the exposure-zones guide.