Millsap, TX
How exposed is Millsap to wildfire?
Out of every US place USFS scores, Millsap lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 365 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 Millsap at the 96th percentile, close to its 96th-percentile risk score.
Millsap's building exposure, zone by zone
Direct exposure dominates in Millsap: 66% of its 365 buildings, versus 34% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Millsap ranks
Millsap scores 96th nationally and 96th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Millsap ranks 1,273 for wildfire risk (1 is highest) and 19,972 by building count (1 is largest). Within Texas alone, it ranks 65 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
Millsap's 96th-percentile, very 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.
What would actually reduce this score
Millsap's 66% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Millsap's figures come from
Millsap's 96th-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 Millsap's dominant direct exposure actually means, with real examples from across the dataset.