Liverpool, TX
Liverpool wildfire risk explained
Liverpool's 343 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Liverpool's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Liverpool's building exposure, zone by zone
Direct exposure dominates in Liverpool: 88.1% of its 343 buildings, versus 12% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Liverpool against the rest of the country
There's little gap between Liverpool's 87th national percentile and its 79th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Liverpool ranks 3,984 for wildfire risk (1 is highest) and 20,499 by building count (1 is largest). Within Texas alone, it ranks 382 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Liverpool and the insurance market
At the 87th percentile nationally, Liverpool 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
Liverpool's 88.1% 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
Liverpool's 87th-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 Liverpool, see the exposure-zones guide.