Naples, TX
Naples wildfire risk explained
Naples's 890 buildings earn a 81st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Naples's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
What "at risk" means for the buildings here
USFS puts 69.8% of Naples's 890 buildings in the Indirect exposure zone, versus 30.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Naples against the rest of the country
Inside Texas, Naples sits at just the 64th percentile even though it scores 81st 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, Naples ranks 6,034 for wildfire risk (1 is highest) and 12,818 by building count (1 is largest). Within Texas alone, it ranks 657 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
Naples's very high rating (81st 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.
Hardening a home in Naples
With ember exposure the dominant pattern in Naples (69.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Naples's figures come from
Naples's 81st-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 Naples's dominant indirect exposure actually means, with real examples from across the dataset.