Liberty, TX
Liberty, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Liberty lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 4,635 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Liberty's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
4,635 buildings are counted in Liberty, and 60.8% of them are Indirect exposure — ember-driven risk rather than the 39.2% in Direct exposure or the 0% rated Minimal.
How Liberty compares
Liberty's 79th national percentile looks worse in isolation than its 58th ranking inside Texas does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Liberty ranks 6,725 for wildfire risk (1 is highest) and 3,668 by building count (1 is largest). Within Texas alone, it ranks 750 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 79th percentile nationally, Liberty 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
Because 60.8% of Liberty's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Liberty's figures come from
Liberty's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Liberty's dominant indirect exposure actually means, with real examples from across the dataset.