Marble Falls, TX
Marble Falls wildfire risk explained
Marble Falls's 3,392 buildings earn a 85th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marble Falls at the 84th percentile, close to its 85th-percentile risk score.
Where Marble Falls's buildings actually sit
USFS puts 68% of Marble Falls's 3,392 buildings in the Indirect exposure zone, versus 31% Direct and 1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Marble Falls ranks
Marble Falls's risk sits at a similar level relative to Texas (74th percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Marble Falls ranks 4,738 for wildfire risk (1 is highest) and 4,929 by building count (1 is largest). Within Texas alone, it ranks 477 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Marble Falls and the insurance market
Marble Falls's very high rating (85th 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
Marble Falls's 68% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Marble Falls's figures come from
Marble Falls's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Marble Falls's dominant indirect exposure actually means, with real examples from across the dataset.