McKinney Acres, TX
McKinney Acres, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts McKinney Acres at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 718 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McKinney Acres's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in McKinney Acres: 95.1% of its 718 buildings, versus 4.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
McKinney Acres against the rest of the country
Inside Texas, McKinney Acres sits at just the 63rd percentile even though it scores 81st 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, McKinney Acres ranks 6,130 for wildfire risk (1 is highest) and 14,487 by building count (1 is largest). Within Texas alone, it ranks 674 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
McKinney Acres and the insurance market
McKinney Acres's 81st-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.
What would actually reduce this score
Because Direct exposure dominates in McKinney Acres (95.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where McKinney Acres's figures come from
The methodology guide shows exactly how USFS turned 718 counted buildings into the percentiles shown above for McKinney Acres. The exposure-zones guide covers what McKinney Acres's dominant direct exposure actually means, with real examples from across the dataset.