Owl Ranch, TX
Owl Ranch wildfire risk explained
USFS's Wildfire Risk to Communities model puts Owl Ranch at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 155 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 Owl Ranch at the 84th percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
100% of Owl Ranch's 155 buildings sit in USFS's Direct exposure zone, roughly 155 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Owl Ranch ranks
Owl Ranch's risk sits at a similar level relative to Texas (70th percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Owl Ranch ranks 5,276 for wildfire risk (1 is highest) and 26,682 by building count (1 is largest). Within Texas alone, it ranks 545 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Owl Ranch
Owl Ranch's 83rd-percentile, very 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.
Hardening a home in Owl Ranch
With 100% of Owl Ranch 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.
Where Owl Ranch's figures come from
Owl Ranch's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Owl Ranch's dominant direct exposure actually means, with real examples from across the dataset.