Odessa, TX
Odessa wildfire risk explained
USFS's Wildfire Risk to Communities model puts Odessa at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 46,865 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Odessa at the 81st percentile, close to its 73rd-percentile risk score.
Odessa's building exposure, zone by zone
Only 8.2% of Odessa's 46,865 buildings carry Direct exposure and 14.6% carry Indirect; the remaining 77.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 46,865 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Odessa against the rest of the country
Inside Texas, Odessa sits at just the 39th percentile even though it scores 73rd 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, Odessa ranks 8,588 for wildfire risk (1 is highest) and 193 by building count (1 is largest). Within Texas alone, it ranks 1,105 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
Odessa's high rating (73rd 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.
Lowering exposure, not just insuring around it
With 77.2% of buildings rated Minimal exposure, Odessa gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Odessa's figures come from
Every one of the two percentiles behind Odessa's 8,588-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Odessa's dominant minimal exposure actually means, with real examples from across the dataset.