Quail Creek, TX
Quail Creek wildfire risk explained
Quail Creek sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,098 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Quail Creek at the 87th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
52.3% of Quail Creek's 1,098 buildings sit in USFS's Direct exposure zone, roughly 574 structures close enough to burnable vegetation for flame contact, not just embers — 47.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Quail Creek compares
There's little gap between Quail Creek's 84th national percentile and its 71st percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Quail Creek ranks 5,151 for wildfire risk (1 is highest) and 11,294 by building count (1 is largest). Within Texas alone, it ranks 523 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Quail Creek
Quail Creek's very high rating (84th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Quail Creek (52.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,098 counted buildings into the percentiles shown above for Quail Creek. For more on what direct exposure implies beyond Quail Creek, see the exposure-zones guide.