Morse, TX
How exposed is Morse to wildfire?
Morse sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 128 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morse at the 97th national percentile — 0 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
Direct exposure dominates in Morse: 74.2% of its 128 buildings, versus 25.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Morse compares
Morse scores 97th nationally and 97th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Morse ranks 928 for wildfire risk (1 is highest) and 27,825 by building count (1 is largest). Within Texas alone, it ranks 47 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
Morse's very high rating (97th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Morse (74.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Morse's figures come from
Every one of the two percentiles behind Morse's 928-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morse's dominant direct exposure actually means, with real examples from across the dataset.