Mountain City, TX
Mountain City, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Mountain City at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 311 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mountain City's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
What "at risk" means for the buildings here
311 buildings are counted in Mountain City, and 73.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Mountain City against the rest of the country
Inside Texas, Mountain City sits at just the 49th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Mountain City ranks 7,641 for wildfire risk (1 is highest) and 21,356 by building count (1 is largest). Within Texas alone, it ranks 924 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Mountain City and the insurance market
Mountain City's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 73.3% of Mountain City 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 Mountain City's figures come from
Mountain City's 76th-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 Mountain City's dominant direct exposure actually means, with real examples from across the dataset.