Morgan Farm, TX
Morgan Farm, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Morgan Farm at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 376 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morgan Farm at the 75th national percentile — 1 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
92.8% of Morgan Farm's 376 buildings sit in USFS's Direct exposure zone, roughly 349 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 7.2% are Minimal.
How Morgan Farm compares
Morgan Farm's 73rd national percentile looks worse in isolation than its 41st ranking inside Texas does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Morgan Farm ranks 8,392 for wildfire risk (1 is highest) and 19,753 by building count (1 is largest). Within Texas alone, it ranks 1,059 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
Morgan Farm's 73rd-percentile, 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.
Hardening a home in Morgan Farm
Morgan Farm's 92.8% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 376 counted buildings into the percentiles shown above for Morgan Farm. For more on what direct exposure implies beyond Morgan Farm, see the exposure-zones guide.