River Oaks, TX
River Oaks, TX's wildfire risk, in USFS's own numbers
River Oaks's 3,241 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks River Oaks at the 61st 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
Only 25.1% of River Oaks's 3,241 buildings carry Direct exposure and 0% carry Indirect; the remaining 75% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where River Oaks ranks
River Oaks ranks lower within Texas (13th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, River Oaks ranks 12,844 for wildfire risk (1 is highest) and 5,116 by building count (1 is largest). Within Texas alone, it ranks 1,558 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
River Oaks and the insurance market
River Oaks's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 75% of buildings rated Minimal exposure, River Oaks gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where River Oaks's figures come from
Every one of the two percentiles behind River Oaks's 12,844-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what River Oaks's dominant minimal exposure actually means, with real examples from across the dataset.