Morton, TX
Morton wildfire risk explained
USFS's Wildfire Risk to Communities model puts Morton at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,211 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morton at the 53rd percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
Only 15.8% of Morton's 1,211 buildings carry Direct exposure and 31.5% carry Indirect; the remaining 52.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Morton compares
Morton ranks lower within Texas (9th percentile statewide) than its 54th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Morton ranks 14,671 for wildfire risk (1 is highest) and 10,586 by building count (1 is largest). Within Texas alone, it ranks 1,641 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
Morton's elevated wildfire rating (54th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 52.7% of Morton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Morton's figures come from
Morton's 54th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Morton's dominant minimal exposure actually means, with real examples from across the dataset.