Morgan, TX
How exposed is Morgan to wildfire?
Out of every US place USFS scores, Morgan lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 329 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morgan at the 91st percentile, close to its 92nd-percentile risk score.
Where Morgan's buildings actually sit
52.9% of Morgan's 329 buildings sit in USFS's Direct exposure zone, roughly 174 structures close enough to burnable vegetation for flame contact, not just embers — 47.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Morgan against the rest of the country
There's little gap between Morgan's 92nd national percentile and its 90th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morgan ranks 2,407 for wildfire risk (1 is highest) and 20,862 by building count (1 is largest). Within Texas alone, it ranks 181 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Morgan and the insurance market
At the 92nd percentile nationally, Morgan carries the very 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
Because Direct exposure dominates in Morgan (52.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Morgan's figures come from
The methodology guide shows exactly how USFS turned 329 counted buildings into the percentiles shown above for Morgan. The exposure-zones guide covers what Morgan's dominant direct exposure actually means, with real examples from across the dataset.