Point, TX
How exposed is Point to wildfire?
USFS scores Point at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 476 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Point's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Point's building exposure, zone by zone
Of Point's 476 counted buildings, 53.8% 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.
Where Point ranks
Point's 74th national percentile looks worse in isolation than its 44th ranking inside Texas does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Point ranks 8,080 for wildfire risk (1 is highest) and 17,793 by building count (1 is largest). Within Texas alone, it ranks 998 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
Point's high rating (74th 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.
Hardening a home in Point
Because Direct exposure dominates in Point (53.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Point's figures come from
Every one of the two percentiles behind Point's 8,080-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Point's dominant direct exposure actually means, with real examples from across the dataset.