Refugio, TX
Refugio, TX's wildfire risk, in USFS's own numbers
Refugio's 1,615 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Refugio at the 91st national percentile — 2 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
1,615 buildings are counted in Refugio, and 87.8% of them are Indirect exposure — ember-driven risk rather than the 12.2% in Direct exposure or the 0% rated Minimal.
How Refugio compares
Refugio scores 88th nationally and 81st 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, Refugio ranks 3,666 for wildfire risk (1 is highest) and 8,716 by building count (1 is largest). Within Texas alone, it ranks 341 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Refugio
Refugio's 88th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Refugio
Refugio's 87.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,615 counted buildings into the percentiles shown above for Refugio. For more on what indirect exposure implies beyond Refugio, see the exposure-zones guide.