Miller's Cove, TX
Miller's Cove, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Miller's Cove lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 69 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Miller's Cove at the 79th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Miller's Cove's buildings actually sit
69 buildings are counted in Miller's Cove, and 60.9% of them are Indirect exposure — ember-driven risk rather than the 39.1% in Direct exposure or the 0% rated Minimal.
Miller's Cove against the rest of the country
Inside Texas, Miller's Cove sits at just the 54th percentile even though it scores 78th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Miller's Cove ranks 7,099 for wildfire risk (1 is highest) and 30,337 by building count (1 is largest). Within Texas alone, it ranks 824 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
Miller's Cove's 78th-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 Miller's Cove
Miller's Cove's 60.9% 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 Miller's Cove's figures come from
Every one of the two percentiles behind Miller's Cove's 7,099-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Miller's Cove's dominant indirect exposure actually means, with real examples from across the dataset.