Prosper, TX
Prosper, TX's wildfire risk, in USFS's own numbers
Prosper sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 11,480 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Prosper at the 63rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Prosper's building exposure, zone by zone
USFS classifies 54.7% of Prosper's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 22.4% Direct and 22.9% Indirect — a landscape-level risk rather than a building-by-building one. At 11,480 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Prosper ranks
Prosper ranks lower within Texas (19th percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Prosper ranks 11,487 for wildfire risk (1 is highest) and 1,372 by building count (1 is largest). Within Texas alone, it ranks 1,455 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Prosper and the insurance market
Prosper's high rating (64th 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 Prosper
Even with 54.7% of Prosper outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Prosper's figures come from
The methodology guide shows exactly how USFS turned 11,480 counted buildings into the percentiles shown above for Prosper. The exposure-zones guide covers what Prosper's dominant minimal exposure actually means, with real examples from across the dataset.