Krum, TX
Krum, TX's wildfire risk, in USFS's own numbers
USFS scores Krum at the 80th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,340 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Krum at the 80th percentile, close to its 80th-percentile risk score.
What "at risk" means for the buildings here
Only 33.6% of Krum's 2,340 buildings carry Direct exposure and 18.9% carry Indirect; the remaining 47.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Krum ranks
Krum ranks lower within Texas (62nd percentile statewide) than its 80th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Krum ranks 6,253 for wildfire risk (1 is highest) and 6,628 by building count (1 is largest). Within Texas alone, it ranks 692 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
Krum's very high rating (80th 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
With 47.4% of buildings rated Minimal exposure, Krum gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Krum's figures come from
Every one of the two percentiles behind Krum's 6,253-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Krum's dominant minimal exposure actually means, with real examples from across the dataset.