Pinewood Estates, TX
How exposed is Pinewood Estates to wildfire?
Out of every US place USFS scores, Pinewood Estates lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 995 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pinewood Estates at the 87th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Pinewood Estates's building exposure, zone by zone
Of Pinewood Estates's 995 counted buildings, 91.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Pinewood Estates compares
There's little gap between Pinewood Estates's 85th national percentile and its 73rd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pinewood Estates ranks 4,834 for wildfire risk (1 is highest) and 11,975 by building count (1 is largest). Within Texas alone, it ranks 492 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
Pinewood Estates's very high rating (85th 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
Pinewood Estates's 91.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 995 counted buildings into the percentiles shown above for Pinewood Estates. For more on what direct exposure implies beyond Pinewood Estates, see the exposure-zones guide.