Proctor, TX
How exposed is Proctor to wildfire?
USFS scores Proctor at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 138 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Proctor at the 92nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Proctor's buildings actually sit
Direct exposure dominates in Proctor: 70.3% of its 138 buildings, versus 29.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Proctor ranks
There's little gap between Proctor's 92nd national percentile and its 89th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Proctor ranks 2,628 for wildfire risk (1 is highest) and 27,384 by building count (1 is largest). Within Texas alone, it ranks 207 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
Proctor's very high rating (92nd 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 70.3% of Proctor 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 Proctor's figures come from
Proctor's 92nd-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 Proctor's dominant direct exposure actually means, with real examples from across the dataset.