Ringgold, TX
Ringgold, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ringgold at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 167 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ringgold at the 96th percentile, close to its 95th-percentile risk score.
Ringgold's building exposure, zone by zone
167 buildings are counted in Ringgold, and 78.4% 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.
How Ringgold compares
Ringgold's risk sits at a similar level relative to Texas (96th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ringgold ranks 1,457 for wildfire risk (1 is highest) and 26,151 by building count (1 is largest). Within Texas alone, it ranks 79 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
Ringgold's very high rating (95th 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 Ringgold (78.4%), 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
Ringgold's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Ringgold, see the exposure-zones guide.