Pilot Point, TX
Pilot Point wildfire risk explained
USFS's Wildfire Risk to Communities model puts Pilot Point at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,050 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pilot Point's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Pilot Point's building exposure, zone by zone
USFS puts 54.5% of Pilot Point's 2,050 buildings in the Indirect exposure zone, versus 45.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Pilot Point ranks
Pilot Point's 77th national percentile looks worse in isolation than its 51st ranking inside Texas does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Pilot Point ranks 7,389 for wildfire risk (1 is highest) and 7,332 by building count (1 is largest). Within Texas alone, it ranks 879 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
Pilot Point's 77th-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.
What would actually reduce this score
Pilot Point's 54.5% 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.
Where Pilot Point's figures come from
Pilot Point's 77th-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 Pilot Point's dominant indirect exposure actually means, with real examples from across the dataset.