Murphy, TX
Murphy, TX's wildfire risk, in USFS's own numbers
Murphy's 6,620 buildings earn a 57th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Murphy at the 58th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Murphy's buildings actually sit
USFS classifies 92.3% of Murphy's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 6,620 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Murphy compares
Murphy ranks lower within Texas (12th percentile statewide) than its 57th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Murphy ranks 13,411 for wildfire risk (1 is highest) and 2,617 by building count (1 is largest). Within Texas alone, it ranks 1,588 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Murphy
At the 57th national percentile, Murphy rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 92.3% of Murphy 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,620 counted buildings into the percentiles shown above for Murphy. For more on what minimal exposure implies beyond Murphy, see the exposure-zones guide.