Mingus, TX
Mingus wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mingus at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 318 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mingus at the 93rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
93.7% of Mingus's 318 buildings sit in USFS's Direct exposure zone, roughly 298 structures close enough to burnable vegetation for flame contact, not just embers — 6.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Mingus against the rest of the country
There's little gap between Mingus's 93rd national percentile and its 92nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mingus ranks 2,118 for wildfire risk (1 is highest) and 21,162 by building count (1 is largest). Within Texas alone, it ranks 146 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
Mingus's 93rd-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.
Lowering exposure, not just insuring around it
With 93.7% of Mingus 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.
Where Mingus's figures come from
The methodology guide shows exactly how USFS turned 318 counted buildings into the percentiles shown above for Mingus. The exposure-zones guide covers what Mingus's dominant direct exposure actually means, with real examples from across the dataset.