Pendleton, TX
How exposed is Pendleton to wildfire?
Out of every US place USFS scores, Pendleton lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 592 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pendleton at the 72nd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Pendleton's building exposure, zone by zone
95.8% of Pendleton's 592 buildings sit in USFS's Direct exposure zone, roughly 567 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 4.2% are Minimal.
Where Pendleton ranks
Inside Texas, Pendleton sits at just the 49th percentile even though it scores 76th 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, Pendleton ranks 7,577 for wildfire risk (1 is highest) and 15,945 by building count (1 is largest). Within Texas alone, it ranks 914 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Pendleton and the insurance market
Pendleton's high rating (76th 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
Because Direct exposure dominates in Pendleton (95.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pendleton's figures come from
Every one of the two percentiles behind Pendleton's 7,577-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pendleton's dominant direct exposure actually means, with real examples from across the dataset.