Navarro, TX
Navarro, TX's wildfire risk, in USFS's own numbers
Navarro sits at the 83rd 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 140 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Navarro's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 83.6% of Navarro's buildings as Direct exposure, higher than its 16.4% Indirect share and far above its 0% Minimal share — a profile where 117 structures sit close enough to vegetation that lot clearing matters most.
How Navarro compares
Navarro's risk sits at a similar level relative to Texas (70th percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Navarro ranks 5,246 for wildfire risk (1 is highest) and 27,308 by building count (1 is largest). Within Texas alone, it ranks 537 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Navarro
Navarro's very high rating (83rd 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 Navarro
Navarro's 83.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Navarro's figures come from
Navarro's 83rd-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 Navarro's dominant direct exposure actually means, with real examples from across the dataset.