Malone, TX
Malone wildfire risk explained
USFS scores Malone at the 72nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 241 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Malone at the 71st percentile, close to its 72nd-percentile risk score.
What "at risk" means for the buildings here
241 buildings are counted in Malone, and 81.3% of them are Indirect exposure — ember-driven risk rather than the 18.7% in Direct exposure or the 0% rated Minimal.
Malone against the rest of the country
Inside Texas, Malone sits at just the 36th percentile even though it scores 72nd 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, Malone ranks 8,933 for wildfire risk (1 is highest) and 23,446 by building count (1 is largest). Within Texas alone, it ranks 1,157 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Malone
Malone's high rating (72nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Malone (81.3% 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
The methodology guide shows exactly how USFS turned 241 counted buildings into the percentiles shown above for Malone. For more on what indirect exposure implies beyond Malone, see the exposure-zones guide.