McDade, TX
McDade wildfire risk explained
USFS scores McDade at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 556 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McDade at the 77th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
McDade's building exposure, zone by zone
USFS classifies 82.6% of McDade's buildings as Direct exposure, higher than its 17.5% Indirect share and far above its 0% Minimal share — a profile where 459 structures sit close enough to vegetation that lot clearing matters most.
Where McDade ranks
McDade ranks lower within Texas (48th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, McDade ranks 7,671 for wildfire risk (1 is highest) and 16,486 by building count (1 is largest). Within Texas alone, it ranks 928 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
McDade and the insurance market
McDade's high rating (76th 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.
What would actually reduce this score
Because Direct exposure dominates in McDade (82.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind McDade's 7,671-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond McDade, see the exposure-zones guide.