Leary, TX
Leary, TX's wildfire risk, in USFS's own numbers
Leary's 348 buildings earn a 68th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Leary at the 70th percentile, close to its 68th-percentile risk score.
Where Leary's buildings actually sit
USFS classifies 53.2% of Leary's buildings as Direct exposure, higher than its 46.8% Indirect share and far above its 0% Minimal share — a profile where 185 structures sit close enough to vegetation that lot clearing matters most.
Leary against the rest of the country
Inside Texas, Leary sits at just the 27th percentile even though it scores 68th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Leary ranks 10,070 for wildfire risk (1 is highest) and 20,380 by building count (1 is largest). Within Texas alone, it ranks 1,320 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 68th percentile nationally, Leary carries the 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
Leary's 53.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Leary's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Leary, see the exposure-zones guide.