Overton, TX
How exposed is Overton to wildfire?
Out of every US place USFS scores, Overton lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,285 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Overton at the 75th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Overton's building exposure, zone by zone
Indirect exposure is dominant in Overton (72% of 1,285 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28% sit in the Direct zone.
How Overton compares
Overton ranks lower within Texas (43rd percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Overton ranks 8,178 for wildfire risk (1 is highest) and 10,165 by building count (1 is largest). Within Texas alone, it ranks 1,020 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
Overton'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
Overton's 72% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Overton's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Overton, see the exposure-zones guide.