Megargel, TX
How exposed is Megargel to wildfire?
Megargel's 243 buildings earn a 89th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Megargel at the 87th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Megargel's building exposure, zone by zone
USFS puts 81.1% of Megargel's 243 buildings in the Indirect exposure zone, versus 18.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Megargel ranks
Megargel's risk sits at a similar level relative to Texas (81st percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Megargel ranks 3,604 for wildfire risk (1 is highest) and 23,377 by building count (1 is largest). Within Texas alone, it ranks 334 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
Megargel's very high rating (89th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Megargel (81.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Megargel's figures come from
Megargel's 89th-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 Megargel's dominant indirect exposure actually means, with real examples from across the dataset.