Midlothian, TX
Midlothian wildfire risk explained
USFS scores Midlothian at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 14,990 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Midlothian at the 75th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Midlothian's building exposure, zone by zone
Direct exposure dominates in Midlothian: 46.5% of its 14,990 buildings, versus 40.6% Indirect and 13% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 14,990 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Midlothian ranks
Midlothian's 77th national percentile looks worse in isolation than its 52nd ranking inside Texas does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Midlothian ranks 7,291 for wildfire risk (1 is highest) and 990 by building count (1 is largest). Within Texas alone, it ranks 862 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Midlothian and the insurance market
Midlothian's 77th-percentile, 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.
Hardening a home in Midlothian
Because Direct exposure dominates in Midlothian (46.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Midlothian's figures come from
Midlothian's 77th-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 Midlothian's dominant direct exposure actually means, with real examples from across the dataset.