Richwood, TX
Richwood wildfire risk explained
Richwood sits at the 89th 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 1,626 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Richwood at the 91st percentile, close to its 89th-percentile risk score.
Where Richwood's buildings actually sit
USFS puts 63.2% of Richwood's 1,626 buildings in the Indirect exposure zone, versus 36.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Richwood ranks
Richwood scores 89th nationally and 82nd 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, Richwood ranks 3,513 for wildfire risk (1 is highest) and 8,673 by building count (1 is largest). Within Texas alone, it ranks 324 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Richwood and the insurance market
At the 89th percentile nationally, Richwood carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With ember exposure the dominant pattern in Richwood (63.2% 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
The methodology guide shows exactly how USFS turned 1,626 counted buildings into the percentiles shown above for Richwood. For more on what indirect exposure implies beyond Richwood, see the exposure-zones guide.