Oak Trail Shores, TX
Oak Trail Shores wildfire risk explained
Oak Trail Shores sits at the 88th 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 1,441 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oak Trail Shores at the 87th percentile, close to its 88th-percentile risk score.
Oak Trail Shores's building exposure, zone by zone
Indirect exposure is dominant in Oak Trail Shores (64.5% of 1,441 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 31.2% sit in the Direct zone.
Where Oak Trail Shores ranks
Oak Trail Shores's risk sits at a similar level relative to Texas (81st percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Trail Shores ranks 3,734 for wildfire risk (1 is highest) and 9,428 by building count (1 is largest). Within Texas alone, it ranks 351 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
At the 88th percentile nationally, Oak Trail Shores carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 64.5% of Oak Trail Shores's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Oak Trail Shores's figures come from
Every one of the two percentiles behind Oak Trail Shores's 3,734-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oak Trail Shores's dominant indirect exposure actually means, with real examples from across the dataset.