Morgan's Point Resort, TX
Morgan's Point Resort, TX's wildfire risk, in USFS's own numbers
Morgan's Point Resort sits at the 78th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,907 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morgan's Point Resort's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Morgan's Point Resort's buildings actually sit
67.1% of Morgan's Point Resort's 1,907 buildings sit in USFS's Direct exposure zone, roughly 1,280 structures close enough to burnable vegetation for flame contact, not just embers — 31.9% fall in the Indirect, ember-only zone and 0.9% are Minimal.
Where Morgan's Point Resort ranks
Morgan's Point Resort's 78th national percentile looks worse in isolation than its 56th ranking inside Texas does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Morgan's Point Resort ranks 6,913 for wildfire risk (1 is highest) and 7,747 by building count (1 is largest). Within Texas alone, it ranks 792 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Morgan's Point Resort and the insurance market
At the 78th percentile nationally, Morgan's Point Resort 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.
Lowering exposure, not just insuring around it
With 67.1% of Morgan's Point Resort in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Morgan's Point Resort's figures come from
Every one of the two percentiles behind Morgan's Point Resort's 6,913-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morgan's Point Resort's dominant direct exposure actually means, with real examples from across the dataset.