New Waverly, TX
New Waverly, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, New Waverly lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 591 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, New Waverly's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 55.5% of New Waverly's buildings as Direct exposure, higher than its 44.5% Indirect share and far above its 0% Minimal share — a profile where 328 structures sit close enough to vegetation that lot clearing matters most.
Where New Waverly ranks
New Waverly's 74th national percentile looks worse in isolation than its 44th ranking inside Texas does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, New Waverly ranks 8,112 for wildfire risk (1 is highest) and 15,957 by building count (1 is largest). Within Texas alone, it ranks 1,003 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
New Waverly's 74th-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
New Waverly's 55.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 591 counted buildings into the percentiles shown above for New Waverly. For more on what direct exposure implies beyond New Waverly, see the exposure-zones guide.