Nina, TX
Nina wildfire risk explained
USFS scores Nina at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 53 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nina's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
53 buildings are counted in Nina, and 50.9% 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.
Where Nina ranks
Nina scores 91st nationally and 87th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Nina ranks 2,848 for wildfire risk (1 is highest) and 30,862 by building count (1 is largest). Within Texas alone, it ranks 246 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
Nina's very high rating (91st 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 Nina
With 50.9% of Nina 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 53 counted buildings into the percentiles shown above for Nina. For more on what direct exposure implies beyond Nina, see the exposure-zones guide.