Retreat, TX
Retreat, TX's wildfire risk, in USFS's own numbers
USFS scores Retreat at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 352 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Retreat at the 79th percentile, close to its 79th-percentile risk score.
Where Retreat's buildings actually sit
352 buildings are counted in Retreat, and 86.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Retreat ranks
Retreat ranks lower within Texas (58th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Retreat ranks 6,727 for wildfire risk (1 is highest) and 20,271 by building count (1 is largest). Within Texas alone, it ranks 752 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Retreat
Retreat's high rating (79th 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 Retreat (86.1%), 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 352 counted buildings into the percentiles shown above for Retreat. For more on what direct exposure implies beyond Retreat, see the exposure-zones guide.