Magnolia, TX
Magnolia wildfire risk explained
Magnolia sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,284 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Magnolia at the 64th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
1,284 buildings are counted in Magnolia, and 58.2% of them are Indirect exposure — ember-driven risk rather than the 41.8% in Direct exposure or the 0% rated Minimal.
Where Magnolia ranks
Magnolia ranks lower within Texas (18th percentile statewide) than its 63rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Magnolia ranks 11,769 for wildfire risk (1 is highest) and 10,171 by building count (1 is largest). Within Texas alone, it ranks 1,471 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Magnolia and the insurance market
Magnolia's 63rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Magnolia
With ember exposure the dominant pattern in Magnolia (58.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Magnolia's figures come from
Every one of the two percentiles behind Magnolia's 11,769-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Magnolia's dominant indirect exposure actually means, with real examples from across the dataset.