Oyster Creek, TX
How exposed is Oyster Creek to wildfire?
Out of every US place USFS scores, Oyster Creek lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 779 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oyster Creek at the 95th percentile, close to its 95th-percentile risk score.
Oyster Creek's building exposure, zone by zone
USFS puts 52.8% of Oyster Creek's 779 buildings in the Indirect exposure zone, versus 47.1% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Oyster Creek ranks
Oyster Creek's risk sits at a similar level relative to Texas (95th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oyster Creek ranks 1,649 for wildfire risk (1 is highest) and 13,830 by building count (1 is largest). Within Texas alone, it ranks 97 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Oyster Creek and the insurance market
Oyster Creek's very high rating (95th 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
Because 52.8% of Oyster Creek'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.
More on how this number was built
Every one of the two percentiles behind Oyster Creek's 1,649-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Oyster Creek, see the exposure-zones guide.