Richland, TX
How exposed is Richland to wildfire?
Richland's 251 buildings earn a 83rd-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.)
Separately from the risk score above, Richland's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Richland's buildings actually sit
Of Richland's 251 counted buildings, 75.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Richland against the rest of the country
Richland scores 83rd nationally and 68th 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, Richland ranks 5,527 for wildfire risk (1 is highest) and 23,120 by building count (1 is largest). Within Texas alone, it ranks 583 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
Richland's very high rating (83rd 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 75.7% of Richland in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Richland's figures come from
The methodology guide shows exactly how USFS turned 251 counted buildings into the percentiles shown above for Richland. The exposure-zones guide covers what Richland's dominant direct exposure actually means, with real examples from across the dataset.