Manvel, TX
Manvel wildfire risk explained
Manvel sits at the 82nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 5,181 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Manvel at the 86th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Manvel's buildings actually sit
Direct exposure dominates in Manvel: 53% of its 5,181 buildings, versus 31.5% Indirect and 15.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 5,181 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Manvel ranks
Inside Texas, Manvel sits at just the 67th percentile even though it scores 82nd 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, Manvel ranks 5,653 for wildfire risk (1 is highest) and 3,322 by building count (1 is largest). Within Texas alone, it ranks 601 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
Manvel's 82nd-percentile, very 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.
What would actually reduce this score
Manvel's 53% 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.
Where Manvel's figures come from
Every one of the two percentiles behind Manvel's 5,653-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Manvel's dominant direct exposure actually means, with real examples from across the dataset.