Malakoff, TX
Malakoff wildfire risk explained
USFS scores Malakoff at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,270 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Malakoff's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Malakoff's building exposure, zone by zone
USFS puts 57.9% of Malakoff's 1,270 buildings in the Indirect exposure zone, versus 40.9% Direct and 1.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Malakoff against the rest of the country
Inside Texas, Malakoff sits at just the 52nd percentile even though it scores 77th 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, Malakoff ranks 7,290 for wildfire risk (1 is highest) and 10,246 by building count (1 is largest). Within Texas alone, it ranks 861 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Malakoff
Malakoff's 77th-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Malakoff (57.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Malakoff's 7,290-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Malakoff, see the exposure-zones guide.