Matador, TX
How exposed is Matador to wildfire?
Matador's 697 buildings earn a 98th-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.)
Separately from the risk score above, Matador's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Matador's building exposure, zone by zone
60% of Matador's 697 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 40% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Matador compares
Matador scores 98th nationally and 98th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Matador ranks 800 for wildfire risk (1 is highest) and 14,699 by building count (1 is largest). Within Texas alone, it ranks 37 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Matador and the insurance market
Matador's 98th-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.
Lowering exposure, not just insuring around it
Matador's 60% 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 Matador's figures come from
Every one of the two percentiles behind Matador's 800-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Matador's dominant indirect exposure actually means, with real examples from across the dataset.