Kirby, TX
Kirby, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kirby lands at the 60th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 3,290 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kirby at the 59th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Kirby's building exposure, zone by zone
91.9% of Kirby's 3,290 buildings sit in USFS's Minimal exposure zone, with only 8.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Kirby against the rest of the country
Kirby's 60th national percentile looks worse in isolation than its 14th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Kirby ranks 12,621 for wildfire risk (1 is highest) and 5,064 by building count (1 is largest). Within Texas alone, it ranks 1,544 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
Kirby's elevated wildfire rating (60th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Kirby
Kirby's 91.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Kirby's 12,621-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Kirby, see the exposure-zones guide.