Midland, TX
How exposed is Midland to wildfire?
Out of every US place USFS scores, Midland lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 52,614 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Midland at the 85th percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
Most of Midland's buildings (56.2% of 52,614) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 52,614 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Midland ranks
Midland's 82nd national percentile looks worse in isolation than its 67th ranking inside Texas does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Midland ranks 5,654 for wildfire risk (1 is highest) and 160 by building count (1 is largest). Within Texas alone, it ranks 602 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Midland and the insurance market
At the 82nd percentile nationally, Midland carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 56.2% of buildings rated Minimal exposure, Midland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Midland's figures come from
Every one of the two percentiles behind Midland's 5,654-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Midland's dominant minimal exposure actually means, with real examples from across the dataset.