Marshall, TX
Marshall, TX's wildfire risk, in USFS's own numbers
Marshall sits at the 68th 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 10,970 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marshall at the 69th percentile, close to its 68th-percentile risk score.
What "at risk" means for the buildings here
10,970 buildings are counted in Marshall, and 63.4% of them are Indirect exposure — ember-driven risk rather than the 22.3% in Direct exposure or the 14.4% rated Minimal. At 10,970 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Marshall against the rest of the country
Marshall ranks lower within Texas (26th percentile statewide) than its 68th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Marshall ranks 10,133 for wildfire risk (1 is highest) and 1,445 by building count (1 is largest). Within Texas alone, it ranks 1,326 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
Marshall's 68th-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 Marshall (63.4% 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 Marshall's 10,133-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Marshall, see the exposure-zones guide.