Krugerville, TX
Krugerville wildfire risk explained
USFS scores Krugerville at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 899 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Krugerville's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Krugerville's building exposure, zone by zone
USFS classifies 77.6% of Krugerville's buildings as Direct exposure, higher than its 22.3% Indirect share and far above its 0.1% Minimal share — a profile where 698 structures sit close enough to vegetation that lot clearing matters most.
Where Krugerville ranks
There's little gap between Krugerville's 83rd national percentile and its 68th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Krugerville ranks 5,465 for wildfire risk (1 is highest) and 12,733 by building count (1 is largest). Within Texas alone, it ranks 573 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 83rd percentile nationally, Krugerville 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Krugerville (77.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Krugerville's 5,465-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Krugerville, see the exposure-zones guide.