McKinney, TX
How exposed is McKinney to wildfire?
McKinney's 58,744 buildings earn a 66th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McKinney at the 66th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
McKinney's building exposure, zone by zone
USFS classifies 66.5% of McKinney's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.2% Direct and 27.3% Indirect — a landscape-level risk rather than a building-by-building one. At 58,744 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
McKinney against the rest of the country
McKinney ranks lower within Texas (23rd percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, McKinney ranks 10,668 for wildfire risk (1 is highest) and 137 by building count (1 is largest). Within Texas alone, it ranks 1,379 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
McKinney and the insurance market
McKinney's high rating (66th 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 McKinney
Even with 66.5% of McKinney outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 58,744 counted buildings into the percentiles shown above for McKinney. For more on what minimal exposure implies beyond McKinney, see the exposure-zones guide.