McCaulley, TX
How exposed is McCaulley to wildfire?
McCaulley's 109 buildings earn a 93rd-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 McCaulley at the 92nd percentile, close to its 93rd-percentile risk score.
Where McCaulley's buildings actually sit
69.7% of McCaulley's 109 buildings sit in USFS's Direct exposure zone, roughly 76 structures close enough to burnable vegetation for flame contact, not just embers — 30.3% fall in the Indirect, ember-only zone and 0% are Minimal.
McCaulley against the rest of the country
There's little gap between McCaulley's 93rd national percentile and its 91st percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, McCaulley ranks 2,186 for wildfire risk (1 is highest) and 28,676 by building count (1 is largest). Within Texas alone, it ranks 157 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
McCaulley's very high rating (93rd 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.
Hardening a home in McCaulley
Because Direct exposure dominates in McCaulley (69.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where McCaulley's figures come from
McCaulley's 93rd-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 McCaulley's dominant direct exposure actually means, with real examples from across the dataset.