Mobeetie, TX
Mobeetie wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mobeetie at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 149 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mobeetie at the 100th percentile, close to its 99th-percentile risk score.
Mobeetie's building exposure, zone by zone
149 buildings are counted in Mobeetie, and 53% of them are Indirect exposure — ember-driven risk rather than the 47% in Direct exposure or the 0% rated Minimal.
Where Mobeetie ranks
Mobeetie's risk sits at a similar level relative to Texas (99th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mobeetie ranks 361 for wildfire risk (1 is highest) and 26,931 by building count (1 is largest). Within Texas alone, it ranks 15 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
Mobeetie's 99th-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
With ember exposure the dominant pattern in Mobeetie (53% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mobeetie's figures come from
The methodology guide shows exactly how USFS turned 149 counted buildings into the percentiles shown above for Mobeetie. The exposure-zones guide covers what Mobeetie's dominant indirect exposure actually means, with real examples from across the dataset.