Pine Harbor, TX
Pine Harbor wildfire risk explained
Pine Harbor's 428 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Harbor at the 69th percentile, close to its 69th-percentile risk score.
Pine Harbor's building exposure, zone by zone
86.7% of Pine Harbor's 428 buildings sit in USFS's Direct exposure zone, roughly 371 structures close enough to burnable vegetation for flame contact, not just embers — 12.9% fall in the Indirect, ember-only zone and 0.5% are Minimal.
Pine Harbor against the rest of the country
Pine Harbor's 69th national percentile looks worse in isolation than its 28th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Pine Harbor ranks 9,850 for wildfire risk (1 is highest) and 18,702 by building count (1 is largest). Within Texas alone, it ranks 1,292 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Pine Harbor
Pine Harbor's high rating (69th 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
With 86.7% of Pine Harbor 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 Pine Harbor's figures come from
The methodology guide shows exactly how USFS turned 428 counted buildings into the percentiles shown above for Pine Harbor. The exposure-zones guide covers what Pine Harbor's dominant direct exposure actually means, with real examples from across the dataset.