Monte Alto, TX
Monte Alto, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Monte Alto at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 696 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monte Alto's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
What "at risk" means for the buildings here
Most of Monte Alto's buildings (63.5% of 696) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Monte Alto compares
Inside Texas, Monte Alto sits at just the 7th percentile even though it scores 52nd 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, Monte Alto ranks 15,018 for wildfire risk (1 is highest) and 14,712 by building count (1 is largest). Within Texas alone, it ranks 1,663 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Monte Alto
Monte Alto's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Monte Alto's 63.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Monte Alto's figures come from
The methodology guide shows exactly how USFS turned 696 counted buildings into the percentiles shown above for Monte Alto. The exposure-zones guide covers what Monte Alto's dominant minimal exposure actually means, with real examples from across the dataset.