Milford, TX
Milford wildfire risk explained
USFS's Wildfire Risk to Communities model puts Milford at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 425 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford at the 74th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Milford's building exposure, zone by zone
Direct exposure dominates in Milford: 60.2% of its 425 buildings, versus 39.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Milford ranks
Milford ranks lower within Texas (48th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Milford ranks 7,702 for wildfire risk (1 is highest) and 18,751 by building count (1 is largest). Within Texas alone, it ranks 934 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Milford and the insurance market
At the 76th percentile nationally, Milford carries the 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.
Hardening a home in Milford
With 60.2% of Milford in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 425 counted buildings into the percentiles shown above for Milford. For more on what direct exposure implies beyond Milford, see the exposure-zones guide.