Ramos, TX
Ramos wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ramos at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 46 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ramos's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Ramos's buildings actually sit
Indirect exposure is dominant in Ramos (63% of 46 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37% sit in the Direct zone.
Ramos against the rest of the country
Ramos scores 92nd nationally and 90th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ramos ranks 2,466 for wildfire risk (1 is highest) and 31,037 by building count (1 is largest). Within Texas alone, it ranks 189 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
Ramos'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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Ramos (63% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Ramos's 2,466-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Ramos, see the exposure-zones guide.