Mobile City, TX
Mobile City wildfire risk explained
USFS scores Mobile City at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 65 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mobile City's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Where Mobile City's buildings actually sit
USFS puts 80% of Mobile City's 65 buildings in the Indirect exposure zone, versus 0% Direct and 20% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Mobile City against the rest of the country
Mobile City ranks lower within Texas (21st percentile statewide) than its 65th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Mobile City ranks 11,040 for wildfire risk (1 is highest) and 30,483 by building count (1 is largest). Within Texas alone, it ranks 1,416 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
At the 65th percentile nationally, Mobile City 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.
What would actually reduce this score
Mobile City's 80% 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 Mobile City's figures come from
The methodology guide shows exactly how USFS turned 65 counted buildings into the percentiles shown above for Mobile City. The exposure-zones guide covers what Mobile City's dominant indirect exposure actually means, with real examples from across the dataset.