Morgan's Point, TX
Morgan's Point, TX's wildfire risk, in USFS's own numbers
Morgan's Point sits at the 77th 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 358 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morgan's Point at the 73rd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Morgan's Point's building exposure, zone by zone
82.7% of Morgan's Point's 358 buildings sit in USFS's Minimal exposure zone, with only 17.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Morgan's Point compares
Morgan's Point's 77th national percentile looks worse in isolation than its 54th ranking inside Texas does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Morgan's Point ranks 7,136 for wildfire risk (1 is highest) and 20,115 by building count (1 is largest). Within Texas alone, it ranks 830 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Morgan's Point and the insurance market
At the 77th percentile nationally, Morgan's Point 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
Morgan's Point's 82.7% 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.
More on how this number was built
Morgan's Point's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Morgan's Point, see the exposure-zones guide.