Olney, TX
How exposed is Olney to wildfire?
USFS scores Olney at the 86th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,977 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Olney at the 85th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Olney's buildings actually sit
USFS puts 49% of Olney's 1,977 buildings in the Indirect exposure zone, versus 10.6% Direct and 40.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Olney ranks
Olney's risk sits at a similar level relative to Texas (75th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Olney ranks 4,426 for wildfire risk (1 is highest) and 7,543 by building count (1 is largest). Within Texas alone, it ranks 443 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Olney and the insurance market
Olney's very high rating (86th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Olney (49% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Olney's figures come from
The methodology guide shows exactly how USFS turned 1,977 counted buildings into the percentiles shown above for Olney. The exposure-zones guide covers what Olney's dominant indirect exposure actually means, with real examples from across the dataset.