Mart, TX
How exposed is Mart to wildfire?
USFS scores Mart at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,254 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mart at the 68th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
1,254 buildings are counted in Mart, and 78.7% of them are Indirect exposure — ember-driven risk rather than the 21.3% in Direct exposure or the 0% rated Minimal.
Where Mart ranks
Inside Texas, Mart sits at just the 28th percentile even though it scores 69th 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, Mart ranks 9,848 for wildfire risk (1 is highest) and 10,328 by building count (1 is largest). Within Texas alone, it ranks 1,290 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
At the 69th percentile nationally, Mart carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Mart's 78.7% 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.
More on how this number was built
Every one of the two percentiles behind Mart's 9,848-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Mart, see the exposure-zones guide.