Medina, TX
Medina wildfire risk explained
Medina sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,566 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Medina's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Medina's buildings actually sit
USFS puts 94.5% of Medina's 1,566 buildings in the Indirect exposure zone, versus 5.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Medina compares
There's little gap between Medina's 84th national percentile and its 72nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Medina ranks 4,929 for wildfire risk (1 is highest) and 8,900 by building count (1 is largest). Within Texas alone, it ranks 500 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Medina
Medina's 84th-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
Medina's 94.5% 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 Medina's figures come from
The methodology guide shows exactly how USFS turned 1,566 counted buildings into the percentiles shown above for Medina. The exposure-zones guide covers what Medina's dominant indirect exposure actually means, with real examples from across the dataset.